5
out of 5
POSTED: | BY: Natalie Cal
So happy with Embrace Per Insurance
So happy with Embrace Per Insurance. Excellent Customer service.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,971
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.
1
out of 5
POSTED: | BY: Patrick
Embrace gouges you when your dog gets older
When I got my dog it was a hassle from the start to get coverage because he was a four year old rescue. They tried to make everything a pre-existing condition , such as getting a teeth cleaning meant he had a tartar issue. As he got older, they would argue everything. He had an accident where he bit down too hard on a stick and broke four of his teeth. It was an emergency because he was bleeding and in pain. They kept refusing to cover it because they saw the Dr had done a cleaning and categorized it as a dental cleanup. Each year the price increases dramatically. I went from him being 6 yrs old with 750/year to turning 7 yrs and it jumped to 1250 with much less coverage and higher deductible. At this point I would have to pay a few grand before the even start reimbursing for anything, and they lowered the coverage amount to 10K where previously the coverage amount was 20K. They are crooks and I wouldn’t recommend them to anyone
5
out of 5
POSTED: | BY: Gabriel Adibe
Easy Claim Submission - Cats Eating Strings
My cat chewed on a cat toy that had an 18 inch string on it. He swallowed the string and was taken to an emergency vet who was able to get the string out. I thought filing a claim would be complicated, but Embrace made this an easy process.
5
out of 5
POSTED: | BY: Julie S
Easy to understand and submit claims.
Easy to understand and submit claims.
5
out of 5
POSTED: | BY: Mary Percell
Ease of use to submit claims online
Ease of use to submit claims online
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.