5
out of 5
POSTED: | BY: Vickie
Easy to submit a claim
Easy to submit a claim
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,988
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: Herman Munster
Great service
I've had a few claims and all were accepted. Every time I had to speak with someone, my service was always the best. I felt like I had a friend on my side. Really grateful for them.
5
out of 5
POSTED: | BY: Victoria Lynn Berdnik-Atkinson
Very happy with Embrace and our coverage
Very happy with Embrace and our coverage
5
out of 5
POSTED: | BY: Blackwing
Excellent customer service!
Received payment for my claim the day after I filed!
3
out of 5
POSTED: | BY: Robert Greiner
Exhausting frustrated but happy in the end
This was my first claim but multiple claims and my experience was exhausting and stressful. Now Embrace does say the first claim is the hardest because of all the medical records they have to acquire from the vets and after the first claim the process is easier. First off my vet was not sending documents embrace needed. Then embrace said they didn't receive documents that I knew they had cause I scanned them. But the main problem was embrace was waiting for papers from a vet my dog never went to located in another state. The main central office must have been located there. This was 3 months of waiting after they received all medical records. I didn't get results until I called them twice and spoke to 3 separate employees at different times. By time I spoke to the last employee I was frustrated and they resolved the issue that day and I received a deposit 3 days later. That employee made me very happy. There is a breakdown with communication that needs to be resolved somehow. Having this insurance has saved me a few thousand dollars and I got the insurance last year.
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.