5
out of 5
POSTED: | BY: Falyn Williams
Davon was great and helped me…
Davon was great and helped me understand the importance of each bit.
Read more on Trustpilot
4.9
out of 5
Number of reviews 16,717
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: Brandi McNaughton
Super easy to use and fast service!
Super easy to use and fast service!
1
out of 5
POSTED: | BY: Gretchen Brunner
ALL CLAIMS DENIED
I submitted 12 Claims from services for my pet in 2023 and 2024, ranging from cough, diarrhea, tick illness, vomiting, and ear infections. My claims were submitted in April 2024. By September 1, 2024 only 4 had been reviewed and denied. 8 claimed were pending. By October 19, when I canceled my policy at the 12 month renewal, those 8 remained unprocessed despite my Vet supplying full medical history at enrollment of the policy, and again in Sept. No surprise, ALL 12 CLAIMS were denied. They want to upsell you to "Wellness rewards". I have healthy pets. They cover nothing. They bury you in jargon. It's a scam and a total waste of time and $$$.
2
out of 5
POSTED: | BY: Emilie R
Site doesn't work well and claims not paid
Site doesn't work well. Claims are not handled easily and requests for extra info for an elderly dog makes it difficult to get reimbursed.
5
out of 5
POSTED: | BY: Susan Malanowski
Easy to understand what is covered and…
Easy to understand what is covered and quick review
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.