5
out of 5
POSTED: | BY: Ann Hannon Wells
So easy to make claim
So easy to make claim - quick follow up
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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.
5
out of 5
POSTED: | BY: Vanessa S.
Wonderful pet insurance!
Very easy to submit a claim and the EOB was very easy to understand. Super quick same day claim processing! Pretty amazing. Reimbursement was immediate as well! Very impressed with this insurance.
5
out of 5
POSTED: | BY: Joan Johnson Miller
Embrace seems great!
I just signed up with Embrace and feel that the customer service was excellent and that they offer many more tiers and options than other pet insurance companies.
5
out of 5
POSTED: | BY: Holly Chichester-Morby
Nothing beats a warm Embrace!
I can’t imagine an insurance company being more comforting during a time when I needed it most! Embrace Pet Insurance was so easy to work and the app makes it a breeze to communicate and submit claims. The personal email follow up from my claim rep was so genuine and appreciated. And reimbursement came in a flash!
Thank you so much from me and my canine bestie!
2
out of 5
POSTED: | BY: Benjamin Sherburne
Diagnosis field very limited
Diagnosis field very limited. When filing the claim the diagnosis field almost tries to point you towards conditions that they can then exclude. My Vet has said that Embrace is one of the most difficult pet insurance companies to work with. It is almost like after they have your premium they work very hard to deny a claim. We will not be renewing!
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.