5
out of 5
POSTED: | BY: Janice O'Leary
EASEY TO FILE CLAIMS AND PAY QUICKLY.
EASEY TO FILE CLAIMS AND PAY QUICKLY.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,755
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: Veronica Cole
We've had nothing but good experiences…
We've had nothing but good experiences with Embrace. Some of our claims are not reimbursed, but there is always a reason why (e.g., it could be reasonably linked to a pre-existing condition). Also, the PawSupport chat line has helped us a lot. This insurance, while expensive for an older cat like ours, has already paid for itself.
5
out of 5
POSTED: | BY: Carolyn Carano
On line submission of claim was…quick and easy
On line submission of claim was painless and processed quickly.
4
out of 5
POSTED: | BY: Anonymous
Covers accidents and illnesses promptly…
Covers accidents and illnesses promptly and easy to submit claims. Does not cover pre-existing so not for all dogs. Peace of mind for dogs who tend to eat non- food items.
5
out of 5
POSTED: | BY: Lorrie W
Highly recommend Embrace Insurance
We've never had insurance in the past for any pets, so we were not sure if we should get it nor what it covered. When USAA offered it, we decided we should get it to cover any unforeseen issues with our little guy. The first claims were seamless in that we just submitted everything, and Embrace would look everything over and contact the doctor if they needed anything else. The contact info on the website help us understand what is covered. I would highly recommend Embrace Pet Insurance to everyone!!
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.