5
out of 5
POSTED: | BY: Amber Williamson
Super easy and user-friendly!
Super easy and user-friendly!
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4.9
out of 5
Number of reviews 19,857
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: jeannettefedorka
very satisfied with the claim settlement
The vet could file the claim for me and I did not have to show anything except the paid invoices. The process did not take as long as I was told and Embrace paid what they said they would in my contract. On the strength of this transaction I added another dog to the policy.
1
out of 5
POSTED: | BY: Wyndy Sloan
Disappointed and feel duped!
We adopted two cats in August and took them to the vet for a check-up just to make sure everything was okay. Fortunately, they were both in good health although the vet did detect a slight heart murmur in both cats. At the time of the examination, the vet informed us that this could be attributed to the stress of being taken out of their new home after they had just gotten used to us. (Fear that we might taking them back to the shelter) Sure enough, on subsequent visits, the heart murmur was no longer heard. In early January one of the cats started coughing. Usually just once a day, but just to be sure he was okay I took him to the vet. They did x-rays and gave him a shot for asthma. On the x-ray, they thought his heart looked a little enlarged so they recommended an echocardiogram. I knew this was an expensive test, but I thought, better safe than sorry and also felt at ease because I had Embrace pet insurance. Luckily the echo came back fine and the cough cleared up from the shot. What a relief! Well, until I found out the claim had been DENIED!!! After waiting over a month both claims were denied by Embrace because they declared him as having a pre-existing condition. Apparently, the heart murmur that no longer exists nullified the claims. My vet wrote a letter to Embrace assuring them that the heart murmur was "white coat syndrome" but they still denied the claim. Disappointment is an understatement for the way I feel about Embrace, not to mention the $1,500 bill that I am now stuck with paying. I would NOT recommend this company!!!!
5
out of 5
POSTED: | BY: Doretta Mock
Great Pet Insurance! I never got pet insurance for my…
I never got pet insurance for my furbabies before but, for some reason, I did when I rescued 2 cats in 2021. One of my boys started "coughing" in Spring of 2022, turns out he developed asthma. Embrace has been nothing but phenomenal as a pet insurance company. They review my claims and pay my share quickly. I have never had a pet with asthma before but am certainly happy I chose Embrace, they are a great partner in helping keep boys healthy. I have submitted 3 claims so far and they pay them promptly. I would highly recommend Embrace!
5
out of 5
POSTED: | BY: CLA
Excellent customer service
Excellent customer service. I submitted two claims incorrectly. The agent who reached out explained the process and corrected 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.