5
out of 5
POSTED: | BY: Hongwell Chin
good
quick and good job
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,988
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.
1
out of 5
POSTED: | BY: Christian Bottella
My dog had eaten a bunch of my chicken…
My dog had eaten a bunch of my chicken eggs causing her to get a case of chronic pancreatitis. Embrace is saying this is a pre existing condition! I don’t understand how this can be pre existing when she has never shown sings of this before or after she was treated. Now they are not paying me any insurance money but have gladly excepted my payment for the policy twice . This has been going on since 2/7/23.
5
out of 5
POSTED: | BY: Brie Z
Great in emergencies, swift & easy processing
We got insurance when we got our puppy in 2020, and this year I was starting to wonder if it was worth renewing since we never use it. Until... we had a big scare and needed to bring our dog to the Emergency Vet for an overnight stay and treatment. The claims process was SO simple and they sent a reimbursement check quickly. I'm grateful we had the insurance and I'm VERY happy with the swift claims/reimbursement process.
5
out of 5
POSTED: | BY: Ginna
Easy and efficient
Filing claims is so easy and they are promptly reviewed.
5
out of 5
POSTED: | BY: Kimberly Fultz
Canine diabetes and cancer
Embrace has exceptional coverage and customer service. We purchased insurance for our dog when she was just a puppy and luckily she was very healthy for a long time. I even considered canceling so many times because she was so healthy and I thought we were wasting money. I am so thankful we kept it! At 8 years old she was diagnosed with Type I diabetes. The initial testing to confirm the diagnosis and rule out other issues was quite expensive and everything was covered. Additionally, we had the constant costs of insulin, syringes, a blood glucose monitor & testing strips, sharps containers and periodic emergency visits for concerns relating to her diabetes. EVERYTHING was covered and claims were processed quickly and easily. On top of this, a year after her diagnosis she developed a tumor in her mouth which had to be removed. She had to have about an inch and a half of her bottom front jaw removed to get rid of all the tumor. This was about $5500 just for the surgery and again all of it was covered. Even though the surgery went well and she recovered quickly, just 3 months later she stopped eating. We initially thought it was pancreatitis (as a result of her diabetes) and all of the testing, treatment, etc did not help. She spent 3-4 days at the vet's office with them doing everything they could to help her. During an ultrasound, they discovered a mass on her spleen which turned out to be lymphoma. At this point we had to make the decision to let her go peacefully but the cost of the previous weeks trying to help her were quite high. Once again, EVERYTHING was covered. Knowing this throughout all of these ordeals made it so easy for us to do whatever we needed to help her without worry of a sudden and unexpected costs to us. Thank you Embrace for making the process SO easy for us and providing us the peace of mind to help our girl in every way we possibly could.
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.