4
out of 5
POSTED: | BY: Dawn McCullough
Website is easy to use to submit claim.
Website is easy to use to submit claim.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,158
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: Joyce
Submitting a claim is very easy
Submitting a claim is very easy. I am glad I have not had to submit many claims and my pup is healthy. The wellness aspect does help with my finances.
5
out of 5
POSTED: | BY: Tami Bone
One of the Best Decisions I've Made
I've had Embrace Pet Insurance for over 6 years for my two beloved Maine Coon cats. It was recommended to me by Gulf Coast Veterinary Services in Houston, which is a one of the best animal hospitals in Texas. Buying the policy for my cats is one of the best decisions I've made.
5
out of 5
POSTED: | BY: Lamarr
CARING FOR PETS AND THEIR OWNERS
CARING FOR PETS AND THEIR OWNERS
2
out of 5
POSTED: | BY: Robert Frank
I previously had pet insurance through…
I previously had pet insurance through Nationwide. The only reason I switched was due to Embraces relationship with USAA. After the first claim I received an email stating they were doing a health history check on my dog. Shortly after I received an email with a list of things they won’t cover. Many of these things were temporary in nature, like diarrhea. It would be like my insurance saying you had a cold six months ago, we won’t cover anything related to a cold for 1 year. Buyer beware. They are polite. That’s about it. I should have never left Nationwide.
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.