5
out of 5
POSTED: | BY: Peter J. Fenimore
Great coverage!
Great coverage! My cat had an issue and Embrace was super fast and helpful!
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: Kim Bettcher
I give Embrace credit for their actions
Embrace did the right thing and paid out for our cat's bronchitis.
5
out of 5
POSTED: | BY: KPM
Great insurance turnaround time for…
Great insurance turnaround time for payment usually takes a few days. Customer service reps always upbeat and thorough.
5
out of 5
POSTED: | BY: May Azcarraga
Cat Troubles
Cat Troubles, had to bring my boy to the emergency vet. The insurance covered as stated and got the check in the mail after I submitted my form. Thank you!
1
out of 5
POSTED: | BY: Greg
Would be zero stars if possible
Would be zero stars if possible. My Sphynx had blackheads on her chin during the initial vet visit (very common Sphynx condition) and that apparently counts as a pre-existing condition for ALL dermatological conditions. They wouldn't provide any coverage for either an ear infection or ringworm. Pretty standard insurance garbage but I was surprised after all the positive reviews I read before deciding on them. I wasn't expecting much but it's clear their objective is to pay out as little as possible.
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.