5
out of 5
POSTED: | BY: Andriana Fusco-Stillwell
submit claim
everything was very easy to submit my claim
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,756
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
5
out of 5
POSTED: | BY: New customer
Excellent service all around
Working with Embrace Pet Insurance has always been a positive experience for me over the years I have had them as a pet insurance provider for our dog. Recently I had to file three different health issue claims and 4 Wellness claims. Staff responded in a very timely manner ( started processing all of them within 24 hours of filing) and each was resolved and paid out in less than 10 days. Staff is always responsive to any questions I've had and has even helped me with filing a couple of complicated claims. I would definitely recommend Embrace to any pet owner.
1
out of 5
POSTED: | BY: JP S
Embrace is a bait & switch operation
Embrace is a bait & switch operation. Sales team called immediately. Once they got paid, they simply sat and did nothing to activate the policy. I had to repeatedly follow up with emails and calls, and even that was not enough. My vet said embrace was lying about what the vet said when they finally did a review for the policy. I can corroborate this; Embrace said they faxed a veterinarian…that has no fax machine or number. Avoid at all costs. They give a 30 money back guarantee but take 4 months to activate a policy. Customer service is awful; be prepared for a long wait.
5
out of 5
POSTED: | BY: Lisa
Excellent coverage
Excellent coverage. Claims are decided on in a timely manner.
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.