5
out of 5
POSTED: | BY: Brittany Notman
Easy to submit claims
Easy to submit claims. Fast reimbursement.
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: suem
Worthwhile
I have had a very good experience using Embrace Pet Insurance.
5
out of 5
POSTED: | BY: Bruce Truesdale
Embrace makes keeping my dogs healthy…
Embrace makes keeping my dogs healthy very easy. Take them to the vet, submit your claim and get a refund on most of the cost within a few days. The customer support if efficient and friendly. You can call them with questions and they answer, unlike a lot of insurance places. I would highly recommend them to everyone.
5
out of 5
POSTED: | BY: MJ
Very easy to use the website
Very easy to use the website. It is quick and easy! Recommend Embrace to all my friends.
2
out of 5
POSTED: | BY: Lauren Myers
Price gouging
I recommend any pet owner I know to get pet insurance; however, I will never be recommending Embrace. My monthly premium on my dog went up almost $20/mo….on my only THREE year old dog. They say the increase is due to inflation and age but I have a hard time believe inflation caused this much of an increase and my dog is not old. We have a few emergent visits this year, so I feel like even though they claim to not increase due to useage, they absolutely have. Unfortunately I’m stuck with them if I want insurance since now she will have to”preexisting conditions” as a new pet on new insurance.
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.