1
out of 5
POSTED: | BY: CDC
Too expensive
Too expensive. Reimbursement is too low. I will consider changing to a different insurance very soon.
Read more on Trustpilot
4.9
out of 5
Number of reviews 16,784
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: Sydney Landreneau
Representative So Helpful
The representative I spoke with was helpful and supplied all the information I need to know and I opened an account and now my kitten is covered.
5
out of 5
POSTED: | BY: Graeme Woodbrook
This was the best decision we could have made!
This was the best decision we could have made! Lucky, our 14 year-old Sheltie/Australian Shepherd was in a lot of pain and discomfort. We had been providing him with Librela injections and fusion therapy but these were no longer providing long-term benefits. In addition, he was losing weight and his situation was deteriorating quickly.
Our vet of 13 years could not fit us in for several days and we simply did not want to wait any longer.
Dr. Dawn Goodman arrived early the next morning and could not have been more loving and caring for both Lucky and for us. We were able to have Lucky at home with us, in his own bed as we loved him and spoke to him until he was asleep with the Lord.
Dr. Dawn has continued to email us, checking to see how we were doing and asking if there was anything she could do to assist in this time of grief.
Our animals are loving members of our family, as well they should be, and saying goodbye to them is a traumatic experience. Dr Dawn and Lap of Love were beyond amazing in helping us through this difficult time for us and our beloved Lucky. This was such a blessing.
5
out of 5
POSTED: | BY: Susan Johnson
Ease of claim submission
I absolutely LOVE how easy it is to submit a claim. It couldn't be more straightforward. I have two dogs on my policy. Easy to choose which dog. Easy to upload invoice.
5
out of 5
POSTED: | BY: Stacey Shertz
I needed to remove a kitty from my…
I needed to remove a kitty from my insurance. It was quick and they even backdated the payments.
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.