5
out of 5
POSTED: | BY: Thomas Stanley
LOKI
VERY FRIENDLY AND KNOWLEDGEABLE PEOPLE.
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4.9
out of 5
Number of reviews 20,006
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.
3
out of 5
POSTED: | BY: Barbara Whatley
Rates keep going up and up
My rates keep going up and up significantly after four years with a healthy Goldendoodle and no claims. Their website stinks. I couldn’t make changes on it… said it was under renovation. Called up, talked to pleasant rep, but she said she wasn’t a broker so she couldn’t do anything. Very frustrating experience. My rates went up from $62-$77 in one year for the same coverage. I started four years ago at about $42. It’s almost doubled in four years with no claims. To get monthly rates back down to anout $62, had to significantly reduce coverage by increasing deductible and increase the out-of-pocket. Considering dropping soon. It’s so much money and you get very little in return
2
out of 5
POSTED: | BY: Adam Nicholson
62% premium increase
Have paid for years. I expect premiums to rise however after making one dental claim they raised my premiums 62%.
5
out of 5
POSTED: | BY: donna poulson
First time for pet insurance
We took out Embrace insurance on our puppy 3 years ago. First time we used insurance for a pet. Lucky us that we did. Our dog got very ill this year and we easily paid $35,000 in vet bills for her. Embrace covered 90% after our $750 deductible. This was a HUGE help! Thank you Embrace! Customer service was excellent.
1
out of 5
POSTED: | BY: Patti C
So much for caring about your dog
So much for caring about your dog. When my 10 year old Newfoundlands policy renewed the new rate increased from $208 a month to $554 a month. Right when your dog really needs the insurance benefits they price the policy out of range. I would never recommend Embrace Pet Insurance to anyone.
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.