5
out of 5
POSTED: | BY: Shirley Ritter
Easy to submit a claim
Easy to submit a claim. Stressing over my sick pet so this helped.
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4.9
out of 5
Number of reviews 19,930
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.
1
out of 5
POSTED: | BY: Francesca
Embrace was great until they were bought by JAB in 2023. Now they are the worst.
Embrace was great for over a decade, with reasonable annual rate increases and painless claims, until about two years ago. That’s when they were bought by JAB and both my dogs’ rates suddenly doubled, even when adjusting for age. Embrace then began refusing every claim, pretending there was “no diagnosis code,” requiring five back-and-forths between me and my vet and Embrace before any payout was made.
We now have preexisting conditions and it’s too late for us to switch carriers, so we are stuck with a plan almost expensive to use. I thought I was planning ahead responsibly for my dogs’ health in old age, and instead JAB and Embrace has ruined our finances. Zero stars.
5
out of 5
POSTED: | BY: Martha Jones
Embrace is the best!
I have had other pet insurance, and Embrace is the best. It is so easy to submit a claim. You can take pictures of receipts with your phone or submit them on the computer via PDF. Once you are past those first couple of submissions, claims are processed lightning fast. I highly recommend the behavioral health coverage in addition to illness.
5
out of 5
POSTED: | BY: Squeeky
Easy peasy
Easy way to submit claims and quick reimbursement.
4
out of 5
POSTED: | BY: Christine
My dog has really been through the…
My dog has really been through the ringer recently and I was really becoming concerned. He had to go through so many tests and is on prescription medications now. Once the deductible had been paid it was a quick turnaround for reimbursement. I thank them for that as it has been an expensive run being on a budget.
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.