5
out of 5
POSTED: | BY: Tom Wilson
The process is easy
The process is easy, with clear instructions and a nice sense of humor ("space dog").
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,889
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.
4
out of 5
5
out of 5
POSTED: | BY: Bailey Castro
Very convenient and easy to understand!
Very convenient and easy to understand!
4
out of 5
POSTED: | BY: Del Johnson
Luna’s annual exam
This was my first invoice. It was easy.
5
out of 5
POSTED: | BY: Rachel
Embrace gave me peace of mind
Embrace made taking my dog to the ER and specialist as stress free as it could be. It was great knowing that money wasn’t going to be making our medical decisions. Gatsby was able to get the treatment he needed and I was almost completely reimbursed! The Embrace app was simple and straightforward to use when submitting a claim and I was reimbursed before my credit card statement was due that month. Additionally, when I accidentally had the wrong address for where to send the reimbursement check, Customer Service was quick and efficient at helping me correct the issue.
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.