5
out of 5
POSTED: | BY: Kathleen
Easy to use
Easy to use, dropdowns are accurate
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,775
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: ChihuahuaBob
One of the best for pet insurance
I have used Embrace for over 13 years and have always been pleased and impressed with their customer service. Being a member of the veterinary community I can highly recommend them.
5
out of 5
POSTED: | BY: Anne Holicky
Great Customer Service
The insurance company could have denied our entire claim as "pre-existing". The company really worked with us and covered all but $18 on a $1700 claim where I was expecting $0. The $18 was considered wellness which I don't have coverage for, so it was fair that it was not covered. Everything was well explained.
5
out of 5
POSTED: | BY: Diane Farren
My first year - GREAT SERVICE
I am very pleased with my first year dealing with Embrace Pet Insurance. Customer phone service was very helpful The claim process is easily managed and quickly expedited. I also found the rates very reasonable compared to others I researched.
3
out of 5
POSTED: | BY: GaryKinner
Sending claim and APP issues
sending in a claim could be easier. Picking of hospital or vet is dragging. Picking a diagnosis is very limited. Choosing a pet should be defaulted to your pet (if one only). As for the app on phone, does not work all times. I have uninstalled and reinstalled and still problems. I have to now do it thru my base computer.
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.