5
out of 5
POSTED: | BY: Penny
Easy process for filing a claim
Easy process for filing a claim
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,874
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: Eliza
Embrace Pet Insurance eased our loss
We have used Embrace Pet Insurance for two dogs - well over ten years now - and find the service is reliable, user-friendly, and very fair. Our first dog's end of life experience, especially, was emotionally and economically draining - but the latter was ameliorated by Embrace's prompt and helpful coverage. Our new dog's health and well-being is also well supported by Embrace.
5
out of 5
POSTED: | BY: Terri Stearman
A Great Relationship
We have been with Embrace for over 6 years. During that time we have found the company to be fair and responsive with our claims. We are very satisfied.
3
out of 5
POSTED: | BY: Newf Owner
Looking elsewhere
I’ve had Embrace for nearly 15 years on numerous dogs and was an ambassador for the company. Over the years, coverage has been cut while premiums have consistently increased. I find it unconscionable that beneficial procedures such as shock wave and electro-acupuncture are denied. My state allows 30% increase yearly and Embrace has raised by that amount each time the policy renews. I’ve had to increase deductibles and decrease coverage in order to afford the insurance. I pay more for it than I do my own insurance! On the upside, claims are processed quickly and the employees are pleasant to deal with. I, however, will change to another insurer with my next dog. Trupanion has a wonderful reputation within my dog breed. I will look seriously at that company.
5
out of 5
POSTED: | BY: TLH
1st time user
1st time user, but no issues here submitting my claim for the boys. Thank you!
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.