5
out of 5
POSTED: | BY: Flo
Pretty easy to file
Pretty easy to file. Very quick responses.
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: Alison T
My dog has allergies and the claims are…
My dog has allergies and the claims are always processed quickly and efficiently for my reimbursement. Any time I have had to call them they are responsive, friendly and very helpful! I will never go without pet insurance again.
1
out of 5
POSTED: | BY: Jan Baxley Torrez
Premium rise of $50 per month
I called to cancel a policy that has gotten so expensive I no longer could justify the expense. I have never submitted a claim in over 8 years, my dog is a cherished member of our family whose health we maintain (at our expense). He’s on a yearly heart worm injection, monthly flea treatment, was neutered when he was age appropriate fur the surgery. Yes, I know things can happen but past behavior is a good predictor of future behavior. I realize the premiums go up according to age and risk. That $50.00 rise in premium was just the last straw. So, after being a loyal customer for over 8 years with
zero claims, it’s time to cut my losses. I’ll save the premium money in a savings account, like we do for the rest of our dogs. Buying pet insurance was sn experiment, we decided to give that a try vs savings monthly set aside for pet care. You failed miserably. I put money aside in savings and at
the end of ten years, I’ve got over $17,000 in that account, yes we’ve had to use money from the account but we faithfully, via direct deposit, put money in every month. The moral of the story is in the battle of savings vs Embrace, savings won.
I’ll keep saving and my dogs will always get the care they need I should have realized long ago that my method was the right way. I guess I have to thank you for raising the premium so much, it actually pushed me to call and cancel.
I’ll be writing about savings vs pet insurance in my blog.
By the way, we have a French Bulldog also. We know she may need some firm of surgical intervention in the future and we have planned for that should it happen.
All the best
Jan Baxley Torrez
5
out of 5
POSTED: | BY: Pete Ginocchio
Easy to file claims
Easy to file claims!
The online forms are easy to complete and download invoices and documents.
5
out of 5
POSTED: | BY: Mark S.
Pretty dang easy
Pretty dang easy! I wish all insurance was this quick and simple.
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.