5
out of 5
POSTED: | BY: Vivian Desiderio
Ease of Submission
Ease of Submission
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,325
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: Patricia LaFave
Rosy's Pet Insurance
We are so glad we had Embrace Pet Insurance for our Dear Rosy, who unfortunately passed away November 1st. We could not have gotten the expensive treatment she needed prior to her death w/out this insurance.
1
out of 5
POSTED: | BY: Cam
Take your pet for a health check right after you get them
Right after we signed up we kept getting these emails to send over our pet’s medical records. Several times I spoke to Embrace representatives and explained that we had just gotten a 3 month old puppy and he had his first round of shots at Petco and all the reps said ok no problem.
Fast forward to about a month later when our puppy developed a skin condition and we had to go to the vet and then was told that Embrace would not cover this because they’re using this vet visit as a baseline and our puppy’s skin condition is now considered a pre existing condition.
Last time I spoke to an Embrace representative I was told we were supposed to have our puppy checked out by a vet within 10 days of getting him.
If by send us your dog’s medical records you meant take him to the vet within this amount of time to get a clean bill of health then say so because as a new pet parent it’s not common knowledge. And now we’re stuck dealing with our puppy’s skin condition on our own because Embrace doesn’t want to cover it or take responsibility for not explaining this properly.
5
out of 5
POSTED: | BY: Kim Baldwin
The staff was very helpful and helped…
The staff was very helpful and helped me I couldn't afford the deductibles
5
out of 5
POSTED: | BY: Rockland NY
Amazing experience
Amazing experience from first phone call to direct deposit of reimbursement. Customer service walked me thru the process, helped me setup the app and even followed up on my dog. I could not have asked for better service!
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.