5
out of 5
POSTED: | BY: Derek
Quick and easy
Quick and easy
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,794
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: Nancy Ayala
I was heartbroken when I recently had…
I was heartbroken when I recently had to put my dog down due to a tumor. Embrace Pet Insurance was sympathetic & reimbursed me my portion of the insurance money in a very timely manner. They were consistent over the years as well in providing great customer service.
4
out of 5
POSTED: | BY: Cathy S
Claim Submission
Claim easy to submit. This was my first experience in submitting claims on my pet insurance policy. I would reserve 5 star rating for reimbursement timeframe
5
out of 5
POSTED: | BY: Madi Wallace
Embrace makes it extremely easy to file…
Embrace makes it extremely easy to file a claim and they also respond quickly to any questions you have. I had three emergent vet visits this year, and after my deductible was met, they were covered as expected without any back and forth, and I was reimbursed promptly.
5
out of 5
POSTED: | BY: Shenell
Smooth process
I filed my first claim with Embrace and the process was very easy. I uploaded the detailed bills from my phone and that was it. There were no long forms to fill out. The reimbursement was deposited in my account in about a week.
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.