1
out of 5
POSTED: | BY: Missy Duggan
I would not recommend this insurance .
I would not recommend this insurance .
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: Joan Sitler Welte
Longtime Embrace Customer
I have had 2 rescue dogs ensured with Embrace, and they are both almost 14 years old. I will admit that as they get older, the price gets steeper per month, but vet bills are NOT CHEAP. I have had Embrace for over 25 years with other dogs I had, and I have not been disappointed.
5
out of 5
POSTED: | BY: Carrie'lyn Poole
Very quick response to my claims and…
Very quick response to my claims and super nice to deal with.
5
out of 5
POSTED: | BY: Mosheh Wolf
Timely and straightforward response and refund
The response took a reasonable amount if time, they provided clear explanations for what was covered and why as well as what wasn't covered and why not. Refund also issues in reasonable amount of time.
I wish that human medical insurance worked like this.
5
out of 5
POSTED: | BY: Andrea Gleason
So simple!
The process for making claims was very simple. Communication on the status was helpful as was the ability to check status online. Our claims were processed quite quickly considering experiences with other insurances! Thank you, Embrace.
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.