5
out of 5
POSTED: | BY: Wall Joan
Ease of use.
Ease of use.
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: PJ F
Embrace Pet Insurance has been wonderful!!!
Embrace Pet Insurance has been wonderful! It is so easy to submit a claim and each claim is quickly evaluated and paid. The bonus for me is that the claim is paid directly into my bank account. Their documentation on what is and what is not covered is very easy to understand. I highly recommend Embrace Pet Insurance!
5
out of 5
POSTED: | BY: customer
Super fast claims processing
Super fast claims processing. Easy to file the claim itself. Highly recommend
1
out of 5
POSTED: | BY: Anonymous Pet Mom
Totally unreasonable
They took a typo in the medical notes that our vet worked very hard to rectify and ran with it. Would not even believe my vet that it was a typo and said their decision not to cover was final and that it was now a pre-existing condition. Vet said she never saw an insurance company act this unreasonable and deliberately obtuse. She went through all the requested channels to rectify the error but they still doubled down and deliberately misinterpreted another line in our pet’s health records to stick to their original adjudication that anyone with a first grade reading level would be able to interpret correctly. Our vet tried to make it clear again but they wouldn’t budge. Vet said she will never recommend Embrace to her clients based on how they acted with her and said it seems to have gone seriously downhill in the last year or so. They act like they get bonuses for denying coverage, it’s insane and their arguments are clearly bad-faith arguments.
5
out of 5
POSTED: | BY: Andres Arcila
Claims were satisfactory resolved and…
Claims were satisfactory resolved and fast.
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.