5
out of 5
POSTED: | BY: Lisa
Easy to navigate and simple
Easy to navigate and simple
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,332
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: Rach
I’ve had this insurance for several…
I’ve had this insurance for several years, this is the only brand I would recommend. They’ve helped me so much with everything, I would not have my dog without them. It should be a consideration like I have to pay for dog food, it’s just necessary and goes into the cost of owning a dog. I wanted the freedom of not needing to depend on anyone financially. Even with the worse possible eventuality, like my dogs 5 syllable chronic disease, I’m still doing well and so is she. That’s because of Embrace, I don’t think any other insurance would’ve stuck by me like they have.
3
out of 5
POSTED: | BY: Annmarie Laird
I was definitely disappointed with a…
I was definitely disappointed with a recent claim process. An emergency is an emergency, regardless whether it is 5 months or 5 years apart from a similar surgery. My young Golden Retriever needed a second emergency intestinal blockage surgery in less than a year from the first. Evidently the fine print says only one a year. To me, it is like saying to a human- we will only pay for 1 heart attack a year, regardless your body's trauma.
5
out of 5
POSTED: | BY: Leigh Anne Hood
Having Embrace Pet Insurance has saved my dog's life
I've used Embrace Pet Insurance for years and they have always covered the expense. During COVID their reimbursement time was longer than normal, but now all claims are usually processed within 14 days or 10 business days. They sent flowers when me and my dog were hit by a pickup truck two years ago. Embrace is always there during Kona's severe IBD diagnosis, when he at 22 oz of raisins, when he got attacked by another dog and had his ear reattached. Embrace may be more expensive than other insurance companies, but they've stuck with me and Kona when we were dropped by other carriers because Kona was too expensive. As a puppy Kona had been severely abused and required extensive veterinary care and rehab. Embrace stepped up the plate. I wouldn't dream of going with another carrier. I wouldn't have my dog if it wasn't for Embrace always covering Kona's expenses and helping me with bills. I would have run out of funds a long time ago. In the 5 years since I adopted Kona, I've spent well in excess of 20K. Yesterday Kona had 3 lbs of socks surgically removed from his stomach and saved his life.
1
out of 5
POSTED: | BY: Alexander Tabilog
Takes a very long time to process…
Takes a very long time to process claims. It's been 2 months going on 3 since I filed the claim.
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.