5
out of 5
POSTED: | BY: Sandy
Easy
Easy! Easy!
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,007
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.
4
out of 5
POSTED: | BY: Susan Talamantes
Decent Insurance
Glad to have had insurance while treating my dog for meningitis. Only downside is having to wait a while for claims to be processed and the reimbursement check to come in the mail.
1
out of 5
POSTED: | BY: Lawrence Ponoroff
Do not embrace Embrace
After submitted five claims and having them all rejected, I realized that this was a premium-collection company, not an insurance company. I was conned and I accept that. However, two weeks after advising them I was cancelling the policy I received a notice that they were raising my monthly premium. I can't say if pet insurance is a scam generally, but if you're shopping for coverage, I'd pass on Embrace.
1
out of 5
POSTED: | BY: Lawrence
Don't believe the posivie reviews
After submitted five claims over six months and having them all rejected, I realized that this was a premium-collection company, not an insurance company. I was conned and I accept that. However, two weeks after advising them I was cancelling the policy I received a notice that they were raising my monthly premium. Reason: dog is a "shepherd mix" and not a "mixed" breed, as i indicated when I signed up--of course, shepherd mix was not an option. I can't say if pet insurance is a scam generally, but if you're shopping for coverage, I'd pass on Embrace.
5
out of 5
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.