5
out of 5
POSTED: | BY: Doug Miller
Claim process straight forward
Claim process straight forward, site is easy to navigate.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,332
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: Linda Vance
I just purchased Embrace for my 4 month…
I just purchased Embrace for my 4 month old Boxer and so far I'm extremely happy that I did..They've reimbursed for his Wellness on a timely manner..I hope that I don't ever have to use it but just knowing that I have Embrace gives me peace of mind and that's worth the money
1
out of 5
POSTED: | BY: J. Conley
I’ve had a policy in place for 5 years…
I’ve had a policy in place for 5 years and have never needed to use it. Premiums went up a bit every year, which I expected. This year the monthly premium (which was already $67) literally doubled, to an amount that I can no longer afford. To keep the same monthly cost, I would need to slash the benefits so much that it would only be useful for an extremely expensive emergency. I guess that’s Embrace’s plan - you keep paying in and they reduce the likelihood they’ll have to pay out.
1
out of 5
POSTED: | BY: Elliott
Ripoff
Ripoff! I moved from calif to nj and had my rate went up
by 70%.
Total BS response. California is rated #1 for veterinarian costs. New Jersey is number 4. Age, breed, and sex did not change. No way did the change in zipcode justify a 70% increase.
5
out of 5
POSTED: | BY: Suzanne Houck
Policy paid as promised
Our pug had an unexpected injury to his eye. He got a staph infection and almost lost it. He had multiple vet visits and 9 different meds. After almost 8 weeks of treatment, he is now infection free and his eye was saved! This was the first time we had to submit claims to Embrace. They reimbursed exactly as our policy promised and in a timely manner. So far, we are very pleased with Embrace.
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.