5
out of 5
POSTED: | BY: Helen Walsh
Marlee was so happy and helpful with my…
Marlee was so happy and helpful with my claim.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,325
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: John Petrick
My experiences with Embrace have all been superb.
My experiences with Embrace have all been very impressive. Their on line claims submission process is quick and efficient. And every representative I have dealt with has been extremely knowledgeable and helpful. Could not ask for better pet insurance.
5
out of 5
POSTED: | BY: DAVID P.
I am again blown away
I am again blown away. Embrace is on top of their game. Very reasonable rate and extremely helpful when making a claim. I have experienced very short waits on the phone when I found it necessary to get help in straightening out my mistakes on the computer. could not be more pleased.
5
out of 5
POSTED: | BY: Gerald Yanello
Very easy to submit claims
Very easy to submit claims and they are paid in quick order
1
out of 5
POSTED: | BY: Angela Christine
Do NOT trust this company
Do NOT trust this company, they weaponize their vague and overreaching contract language in order to deny claims as “preexisting conditions”. They deem one time SYMPTOMS like vomiting and diarrhea as related to ANY future conditions that cause those EXTREMELY common symptoms… ie say your puppy vomited from a food change 9 months before developing acute gastritis that needed treatment, Embrace will claim that the gastritis (or any similar illness that can cause vomiting) is related to a single vomiting or diarrhea episode that occurred up to an entire year prior to the new treatment date, even if the initial episode was completely unrelated or not linked to any condition at all, and even though both are SYMPTOMS of NUMEROUS different conditions and not illnesses in and of themselves, their philosophy is “well you can’t PROVE it’s not related”. Trust me, stay away from Embrace, they are a wholly predatory company. Spot and Pets Best are MUCH better. Also beware, they have a bad habit of using people related to the company in some way to write positive reviews, they are as dirty a company as it gets… you’ve been warned.
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.