5
out of 5
POSTED: | BY: Amanda W
Our claim was processed very quickly…
Our claim was processed very quickly and was easy to do.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,342
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: Glenda Walker
Caring Andee and Embrace
I took a long time because of a possible pre- existing condition that I had to get clarified but we got that taken care of and Embrace has paid the claims.I dog has cancer and without Embrace it would have been difficult to afford the treatment,My adjuster was Andee and she was great and sooo understanding.She was a great support for during this ordeal.
5
out of 5
POSTED: | BY: Moon Choi-McInturff
Embrace has always been super…
Embrace has always been super straightforward. The claims process has never felt onerous and I have always felt supported. Embrace has helped us prioritize our cats’ health and wellbeing. Thank you
5
out of 5
POSTED: | BY: Jerry Pallares
Very professional and fast service
Very professional and fast service. I recently had a significant vet bill and embrace rapidly took care of my claim.
1
out of 5
POSTED: | BY: Eric Cremins
They will increase your premiums 30+%…
They will increase your premiums 30+% Every Year, Year over Year regardless of your pet's age or if they have had any illnesses. By the time I finally cancelled, my 4 year old german shepherd's premium was More expensive than my own health insurance and we Never Used our coverage for a single medical issue. If this were human insurance these rates would be illegal. This is essentially a scam for well-meaning rich people. I would just keep a credit card handy for big vet bills and skip the scam. As a former vet tech, I can tell you that an average emergency vet visit with bloodwork, xrays, and IV therapy/medications to go home will run about $5-800, even with 'low' deductible (and high premium) plan options, you would pay a $500 deductible, plus 10% on top of that, so even with an $800 bill you're still paying $600 of that bill, and unless your pet has Multiple emergency visits or serious surgery in a plan year, you're basically paying $1,000 for a $200 discount, if you use the insurance at all. Don't need to be an accountant to figure that one out. This is just another corporate squeeze to siphon money off of the middle class. Save your money, please.
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.