5
out of 5
POSTED: | BY: Josh Barker
User friendly
User friendly - smooth claims process - clear plan details
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,325
Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard.
Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5
out of 5
POSTED: | BY: Sara
Excellent process and quick payment
Excellent process and quick payment! We received the money within one or two days. They saved us from many high vet bills and helped our pets stay healthy and happy. They are expensive, but it’s worth it!
5
out of 5
POSTED: | BY: Leslie M
If you're on the fence about your pet insurance......
When Embrace says submitting claims is easy, they aren't kidding. When I chose my dogs insurance, I was up in the air as to which one would be best. I've always had pets, but never had pet insurance. I'm very happy with my choice. My claim went through and was paid extremely quick.
5
out of 5
POSTED: | BY: Susana Rios
Love how easy and quick the claim process is!
Submitting a claim is so easy and takes literally minutes. The review process is so quick too! I'm spoiled! Gonna take a lot to have another insurance woo me away from Embrace!
1
out of 5
POSTED: | BY: A Ro
The worst!
The worst!! Price gouging worse than human insurance companies. It’s all a scam. So many better companies out there these days.
Edit: since I can’t reply to the canned reply from embrace I’ll do it here. There are SO MANY better options out there for pet insurance. Better coverage, WAY better prices and better reviews! Embrace is owned by a monopoly and they do NOT care about pets. They care about MONEY!
Please don’t believe the reviews that sing their praises. Either they are people who just signed up and haven’t had premiums double or triple the first time they renew, or they are totally fake reviews altogether. This insurance SUCKS.
Monthly Cost
$13 – $100, depending on your chosen plan.
Coverage
You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan.
The pay-out amount is based on your actual vet bill.
Payout Limits
Annual limit of $2000, $5000, $10,000 or $15,000.
Deductible
Annual deductible options from $100 – $1,000.
Age Limits
Pet must be at least 6 weeks old to enroll.
New pets over 14 are eligible for accident-only coverage.
Once enrolled, pets can stay insured regardless of age.
Waiting Period
There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.
Exclusions
Pre-existing conditions are not covered.
Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active.
Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian.
Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection.
In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard.
For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.