5
out of 5
POSTED: | BY: Lynn-Ann Gries
Embrace is the best
Always focused on customer service, this company exceeds expectations.
4.9
out of 5
Number of reviews 15,759
Updated: May 29, 2024
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: ann k.
It really works!
I was so skeptical about pet insurance and spent quite some time researching options. I finally decided on Embrace and submitted my first claim in my second year of coverage. I was expecting a denial or them not covering everything based on some hidden clause, but no! I was reimbursed exactly as promised and while the claim took a bit long to process, they were very responsive to questions. I'm very impressed.
5
out of 5
POSTED: | BY: Carole J.
Great service
Have patience and complete the process.
5
out of 5
POSTED: | BY: Patricia McRae
Good job. Here's a cookie!
Quick and unambiguous outcome of the claim.
5
out of 5
POSTED: | BY: Lynda
My husband told me this was my best investment yet
Glad we bought pet insurance with Embrace. Great company with good employees. It may have taken much longer for our claim, but Embrace kept me updated. I never felt ignored by customer service. Good company
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.