5
out of 5
POSTED: | BY: Shayne
Embrace is fantastic!
Embrace is fantastic. No problems at all with reimbursement for covered injuries.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,329
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.
3
out of 5
POSTED: | BY: Ashley
I sent multiple emails regarding dental…
I sent multiple emails regarding dental cover and why it did not pay for the tooth extraction and got no response.
5
out of 5
POSTED: | BY: Mary Badame
Excellent
I have no complaints. I followed the Emrace instructions when I first signed my 3 japanese chins on. I am completely satisfied with my coverage, their customer service is excellent and everything is explained when I have questions. They paid me in full on every reimbursement when I reached my deductible!!! My claims go through within 10 business days and I like the $50 bonus bucks if I don't sumbit a claim. Embrace is a win win for me and my girl's
4
out of 5
POSTED: | BY: Maria Seguban Cruz
I am comfortable with Embrace
I am comfortable with Embrace. Less worry about $. Many thanks to Embrace. My dog had TLP surgery for both knee in 2020 and 2022. She is happy dog. She was no longer crying.
5
out of 5
POSTED: | BY: Julie Farman
Embrace actually cares about my dog!
I love Embrace for so many reasons. Primarily it's the coverage - they have covered almost every invoice I have submitted, and when they decline an expense, I understand why. There is always someone willing to explain and listen.
But! There's also the Paw Desk, a 24-hour resource for anxiety-ridden pet parents who need immediate guidance on medical issues. The staffers have helped me so many times, and they have definitely helped my dog - he has escaped multiple trips to the Dog ER because I am a dogochondriac. He's only gone when it's necessary.
Finally, I love Embrace because they sent a "get well" e-card after I submitted a series of invoices related to an eye injury. Nothing but praise!
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.