5
out of 5
POSTED: | BY: Fabiana Staino
Efficiency.
It is the second year that I have changed our pet's insurance and really is the one that we have used it. We are satisfied.
4.9
out of 5
Number of reviews 15,734
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: Marsha Effner
Amazing response time.
I wqas impressed with how quickly my claim was processed after Blazer's surgery. My past experience with other insurers had left me with a jaded expectation of results. I had an acknowledgement of my claim in less than a week with a check in the mail. Wow!
5
out of 5
POSTED: | BY: Kelly
I love Embrace
Having Newfoundlands, every vet visit is expensive. Illness or accidents cost a lot. I never have to fight with Embrace to get them to cover issues. I just have the vet fill in the form, I email it to them and in a couple weeks I have my reimbursement check.They are a great company that does what they promise!
5
out of 5
POSTED: | BY: Kyle W.
Surprisingly Wonderful Experience
My cocker spaniel came down with Distichiasis and Corneal ulcers in both eyes and required surgery to to remove the distichiasis. Within two weeks of my claim being submitted my reimbursement was directly deposited in to my bank account. Couldn't be happier.
5
out of 5
POSTED: | BY: Sharon Hanson
Excellent coverage & customer service
I have been with Embrace over a year and they are excellent. They pay expeditiously. Their coverage is excellent. Payment on my last claim was deposited into my account in 2 weeks. Whenever I call them they are friendly & helpful, always ask about my dog and how he is doing,
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.