5
out of 5
POSTED: | BY: Florence Hargreaves
Filing a claim is super easy.
Filing a claim is super easy.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: Sandi Joseph Elliott
Was very clear instructions and easy to…
Was very clear instructions and easy to submit claim.
1
out of 5
POSTED: | BY: Brianna Schwager
Honestly this insurance sucks
Honestly this insurance sucks. I feel like none of you guys actually pay attention or care.
1
out of 5
POSTED: | BY: customer
This insurance is a joke
This insurance is a joke and has never been worth the money. I've paid this sleezy company SO much more than I've ever received, and I definitely would have been MUCH better off just putting money in a HYSA or a market ETF for my pets. Embrace will jack up their prices so much every year that at this point I would have been paying almost $400/mo for four mostly healthy cats, only one of which is elderly (and I still almost never used this insurance for him). That was with an annual coverage limit and a $1000 deductible (per cat). I had to remove my oldest cat due to cost and it was still $250/mo. What a scam! I had felt trapped because one of my other cats was 12 and until recently most insurance companies wouldn't cover cats age 12+. But now Spot does! I went with them and I'm paying more than $100/mo less than I was with Embrace. This insurance is just for emergencies (no insurance company is worth it for anything routine or even for covering most conditions), and I hope that in a year or so I'll have enough saved to cancel it entirely.
5
out of 5
POSTED: | BY: Flo
It's quick & easy to fill out.
It's quick & easy to fill out.
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.