5
out of 5
POSTED: | BY: John
Website easy to use
Website easy to use
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,997
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: Martin Callahan
Claims were very easy to do.
The employees I talked to were very helpful and friendly. The process to submit claims was very easy and quick to do. These are my first claims so I can't rate the entire process to final conclusion yet.
1
out of 5
POSTED: | BY: Lauren Blackwell
Would no recommend! The company did not stand by the price…
The company did not stand by the price quote I was originally given, and didn’t give me enough notice of the price change for me to discuss the situation, because their customer service response wasn’t timely. I enrolled my dog as a mixed breed because she is a mixed breed. Embrace doubled my monthly rate because in one area on a vet’s paperwork they mentioned Frenchie mix, one page said Boston Terrier mix, and one said Frenchton. They wrote to tell me that my rate was doubling because I have a Frenchie mix. I feel like I was a victim of a bait and switch, and believe I deserved to be refunded for the two months I paid on a policy that they were no longer honoring. They took advantage of me, and now my puppy and I have to start over with a new company’s waiting period. I would NOT recommend Embrace to anyone. Beyond all of this, the response time was horrendous, which makes me think you would wait forever for a claim to be reimbursed.
5
out of 5
POSTED: | BY: Customer
Embrace has been quick to review our…
Embrace has been quick to review our claims and send out our reimbursement. Thank you!
1
out of 5
POSTED: | BY: Clare Vara
Very unhappy customer
Since November, Embrace keeps asking for information from the Shelter that I adopted my dog from, that simply does not exist! They want info from 10/21/2020-12/06/2022. I adopted Obe on 6/2020. They are NOT a veterinary clinic, just an Animal shelter. I told them twice. I guess it's their way of trying to get out of paying my claim. They also deem her allergy a CHRONIC condition, uninsurable by EMBRACE. That can be a temporary condition.
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.