5
out of 5
POSTED: | BY: Patrice De Arman
Easy to submit info.
Easy to submit info.
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: Anna
Embrace pays for covered illnesses
When Ozly was diagnosed with Lymphoma I wish I had a higher amount of insurance coverage, however the 80% has helped me/him so much and they immediately submit payment to my account. If I didn’t have this insurance my dog w/have been gone by now. I could have never afforded what these treatments, visits, meds, etc, are. I am grateful for this insurance and just wish I had 90% instead!!
1
out of 5
POSTED: | BY: Mrs. Ellette Vinyard
Policy began July 2023
Policy began July 2023. Claims had successfully been processed. Then he had surgery July 17, 2024. First, you said it was his first claim. Incorrect. Then, it took months to get the claim processed, citing Embrace required more complete medical history. A summary report was provided by his previous veterinary clinics and there were no indications of his having any masses removed. There was no need to bother veterinarians and their staff to get "itemized, physician notes" and you had no right to demand them.
Now that you have them, send me copies so this doesn't happen again!
The contract states: Your Pet must have been examined by a Veterinarian in the twelve (12) months prior to the Pet Original Start Date as shown on the Schedule Page(s) or within fourteen (14) days after the Pet Original Start Date. Failure to do so may result in your policy defaulting to an Accident only policy. Meaning you will have no Illness Coverage and your Illness premium will be refunded. You may add Illness Coverage back onto your policy once a qualifying Veterinarian has examined your Pet and detailed records for the exam are available to us. This will result in your Illness Waiting Period end date changing to the date of the first exam. No Illness Coverage is available until a qualifying Veterinarian has examined your Pet, and Pre-existing Conditions, if any, may be determined upon the date of the qualifying Veterinarian's examination.
This exam was conducted within the timeframe and you had the detailed records. There was no reason other than trying to delay or get out of processing the claim and making payment.
I was surprised when his annual exam was processed timely and the amount covered. So, I am staying with Embrace at this time.
5
out of 5
POSTED: | BY: Patty
Very happy I chose Embrace pet insurance
At this point in time I am very happy I chose Embrace pet insurance. Our pug, Bobo Loco, will be three in February. At his one year check up at the vet something told me to take the plunge with starting pet insurance for him. Lean, with long legs, he is a very active, acrobatic pug that loves to run, leap and jump. And also likes to eat sticks. After some research I signed him up with Embrace within hours of that visit.
So happy that I did, as I have filed 4 claims since October 2024. Filing a claim is fast and easy and there is a quick response time from Embrace. Very happy, so far, with the efficiency of Embrace.
5
out of 5
POSTED: | BY: xiaoxue feng
Fast process and easy to claim
Fast process and easy to claim. the app has a little problem of not letting me entering the amount of invoice, but PC portal works great.
My dog just left yesterday. RIP Talia. and thanks Embrace for all the support during my claims, made me confident to say yes to all possible treatment without concern of financial hardship.
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.