5
out of 5
POSTED: | BY: Rory Hall
Easy and quick claims process.
Easy and quick claims process.
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 Deductibleâ„¢, 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: Jessica
Embrace is Worth Every Penny
I purchased Embrace pet insurance for my cats when I adopted them as kittens. Since then, when illnesses have come up, Embrace has always been incredibly helpful and paid me quickly. The plans have paid for themselves and will continue to do so as my cats get older.
5
out of 5
POSTED: | BY: Maria Carranza
I purchase pet Insurance for my fur baby.
I purchase a insurance for my fur baby.. & in the 1st month I had 2 claims.. it’s so easy and convenient to submit the itemized vet bill thru the app.. With in 3 days my money was direct deposit to my account.. No issues or hassles.. So far so good 😊 I would highly recommend..
5
out of 5
POSTED: | BY: MARY
I was pleased with many things
I was pleased with many things! The customer service on how to file a claim, the quickness of the review as well as how quickly the benefits were deposited to my account.
1
out of 5
POSTED: | BY: Sharon Ellis
Loopholes and escape tactics
I find that after working in healthcare it’s just what insurances do, which is take your money and do all they can do to not pay for anything. They create all kinds of loopholes to get out of paying. My dog had to have a surgery that was almost $6000 on 2/14/23. The policy was purchased 7/14/22 and there were NO pre-existing conditions regarding his Feb surgery, but during their in depth 12 month pre policy chart review, they found that Prince had a limp on 10/22/22, 3 months AFTER the policy was purchased and not ANYTIME before the policy was purchased, but they still will not pay for the surgery that he had to have 7 months after being a member! OH, and because he NOW had a problem, they will NEVER pay for a joint 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.