5
out of 5
POSTED: | BY: Flo
Quick and easy
Quick and easy. Fast response to claims.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,765
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: SRG
In the end, it's a corporation after all.
Despite the opinions of a team of internists and renal specialists, Embrace declined coverage for kidney failure in our two-year old cat, stating her condition was pre-existing. We had to euthanize her having already spent more than $5000 for her treatment. I am a veterinarian myself and cannot recommend Embrace. Put your money into a high-yield savings account or other emergency fund instead.
5
out of 5
POSTED: | BY: Mike Schlosser
Very easy and quick to file a claim.
Very easy and quick to file a claim.
5
out of 5
POSTED: | BY: Sue Baltimore
My experience has been very positive…
My experience has been overwhelmingly positive. Unfortunately, I had 3 incidents with my dog in a 2 month period. She is a 3 yr old mix that I rescued from what appears to have been a bad experience for her. The employees at Embrace have been exceptional and patience with me completing the necessary paperwork required for these incidents. The system is very easy to use and although I had to resubmit 1 set of documents (my issue) they were very patient with me. I would recommend Embrace to anyone wanting pet insurance.
5
out of 5
POSTED: | BY: Denise Bigelow
The ease of submitting claims is great
The ease of submitting claims is great! But if you have questions, help is only a phone call away… Reimbursement usually comes fairly fast as well…. Sure sets my mind at ease knowing my fur babies are covered by this amazing pet insurance
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.