5
out of 5
POSTED: | BY: Dale McGeever
trust this pet insurance company.
easy to file claims
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.
3
out of 5
POSTED: | BY: Thomas Franklin
I have no problems with the service…
I have no problems with the service offered. I got this through USAA as a retired Veterian. My displeasure was to find out that after having the coverage for 1 year, my policy renewed and the price went up from $74.68 a month to $100.43 a month. Seems like we gotcha so can increase without notification.
5
out of 5
POSTED: | BY: Terri Lynn
Long time policy holder...
I have been a policy holder with Embrace since 2016. They have been amazing in every way! Claims processing is fast and efficient and if there is ever an issue, they are reachable and always available to answer any questions.
I am a happy dog mom having experience with three Cane Corso. Two of the Corso (same parents, different litters) appear to have similar liver issues requiring care that has been fully covered under Embrace and I couldn't be happier with the service and the peace of mind knowing that my fur kiddos can get the care they require. Thank you Embrace!
5
out of 5
POSTED: | BY: Maple Mellen
So far amazing
So far amazing. They actually reimburse us and submitting claims is easy.
5
out of 5
POSTED: | BY: Tom G
Embrace has taken the financial factor out of emergency medical care for my pets
Embrace has allowed my wife and I to pursue expensive treatments for our pets that gave us peace of mind and, in one case, added years to a life. We've never had a claim rejected over 7 years time across three pets, and several claims totaling tens of thousands of dollars in reimbursements. We've had claim follow-up questions and requests for further documentation, but never a denial.
We had an 11 year old Lab suddenly grow gravely ill. All of his tests and procedures were covered. We had a 16 year old cat who was diagnosed with both diabetes and intestinal cancer under Embrace. Everything was covered, including measures costing thousands that added over two years to his life. We just had an otherwise healthy 14 year old cat pass from an agressive oral cancer just 6 weeks after diagnosis. Embrace covered her biopsy, tooth removal, meds (we have the medication add-on), follow-up visits, and what many still consider an experimental medication that likely doubled the time she had left. Embrace never even flinched...all covered.
I get that some folks may say negative things about any company based on frustration or having a claim denied for some reason, but our experience with Embrace has lightened the burden that sometimes comes with pet ownership. I watched my parents struggle with taking a gamble saving an elderly pet at the expense of our summer vacation (it worked and the dog lived another three years). I don't have to worry about that because of Embrace and that's a wonderful thing.
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.