5
out of 5
POSTED: | BY: Markie
Great plan
I have enjoyed my benefits for Bonz thus far.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,319
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
1
out of 5
POSTED: | BY: Kayla Wunschel
I strongly do not recommend Embrace Pet…
I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage.
We submitted thorough medical documentation and followed their process, but our claims were dismissed without fair consideration. After this experience, we canceled our policy. In my opinion, this company does not stand by its stated coverage, and pet owners should be aware before trusting them with their pets’ health care. We were left with thousands of dollars in expenses that we reasonably expected to be covered.
5
out of 5
POSTED: | BY: Mary Sullivan
My dog suffered with a perianal…
My dog suffered with a perianal fistula. My vet tried various treatments for a year. When treatments were exhausted, my dog had surgery to remove affected gland and repair fistula. Embrace quickly paid all submitted claims. A year of treatment and surgery were very expensive for me without insurance help. Very satisfied and would recommend to anyone with a pet.
5
out of 5
POSTED: | BY: Sishir Kumar Naguluri
Simple and intuitive claim process
very simple and intuitive claim process, prompt response to claims submitted and a clear description of the EOB. Have been with Embrace for over 4 years and have never had a need to appeal a claim or even call them with an issue. Claim handling is pretty seamless.
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.