5
out of 5
POSTED: | BY: DJ Hoppe
Very easy to file claim and fast return…
Very easy to file claim and fast return on benefits
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.
2
out of 5
POSTED: | BY: Matt Wagenfer Sr.
Proceed with caution...
Seven years of being a customer with four dogs at one point. I only have two on the policy now, but since they were born. Out of the blue this year for no cause (and I have not used hardly any of the benefit in 7 years) Embrace raised my rate $116 a month, bringing my total to $3880 a year... Ridiculous! They can't explain why, just says it is that now. They've got you by the shorts at 7 years into a policy, given the average life expectancy of a dog. It's nearly impossible to find a more affordable insurance provider on a dog at this point in their life cycle. There are sure to be "pre-existing" conditions if trying for a new policy, which will jack up your rates. Everything was good with Embrace until this point, but when they know they have you and you are most vulnerable, they grossly increase your rates. This is a terrible business practice and a kick in the teeth, so if you're shopping for pet insurance, be warned!
5
out of 5
POSTED: | BY: Marlo R
I had a great experience…very professional
I had a great experience…
I’m sorry I forgot her name but thaw handled my questions swiftly and respectfully.
5
out of 5
POSTED: | BY: Karen L.
Just filed a claim which was so easy…
Just filed a claim which was so easy and fast. We are so glad we signed our pets up with Embrace pet insurance. They have so far paid our claims in a timely manner. Having Embrace has given us peace of mind knowing our fur babies are covered in the event of an accident or illness.
5
out of 5
POSTED: | BY: EM G
Reliable, fast, easy, responsive
Embrace has been extremely responsive with every claim submission, easy to use, covered everything I expected, and refunds have been extremely prompt. I’m very thankful for the ease of use during a stressful and expensive time.
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.