5
out of 5
POSTED: | BY: Andrew Folland
Quick claim feedback
Quick claim feedback
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,854
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: Alan Rooks
The agent that I was speaking to was…
The agent that I was speaking to was great.
Polite, very helpful and patient.
5
out of 5
POSTED: | BY: Pam Backofen
Embrace is quick and easy to file a…
Embrace is quick and easy to file a claim (under 5 minutes) and quick to reimburse on direct deposit! They truly care!
2
out of 5
POSTED: | BY: Larry G
Our Labradoodle is 7 and we have had…
Our Labradoodle is 7 and we have had Embrace insurance for 5+ consecutive years. During the 2nd half of 2024 Embrace raised our premium from $123.81 to $173.19 (40%). Our coverage is annual benefits of $10,000, a $500 deductible and 80% reimbursement rate. Were we enroll our dog today with Embrace, our premium for the same coverage would be $119.98. The way companies such as Embrace keep you hooked/locked in is through a pre-existing conditions clause......since we filed claims during the past 5+ years for giardia and anaplasmosis, these are considered pre-existing conditions should we choose to get coverage elsewhere.....so we remain captives of Embrace. Even so, a 40% rate increase is excessive in my book, especially when there is no apparent attempt by Embrace to justify it. Certainly our per's claim experience doesn't.
5
out of 5
POSTED: | BY: Neda
excellent services
Thank you for your outstanding services; they inspire greatness.
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.