1
out of 5
POSTED: | BY: Josue Suarez
Horrible experience submitting claims…
Horrible experience submitting claims that never got resolved.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: Nancy Ramirez
I’ve always had positive interactions…
I’ve always had positive interactions with Embrace’s representatives. They are very helpful and answer all my questions. Their service and follow up are always on point and quickly handled. My claim submissions submissions are easy to do on line and responses are timely.
1
out of 5
POSTED: | BY: James
They cover nothing
They cover nothing. This insurance is NOT for pets or pet owners of animals adopted from pet rescue locations. They’ve stolen over $600 and essentially only cover calamities, which I already have much control over as I am not a reckless pet owner. Don’t purchase Embrace.
4
out of 5
POSTED: | BY: Virginia Mike
Communication is not great
Communication is not great. The option for messages and email results in no responses. I had questions about reimbursements and getting them the information they needed. No response. Calling results in being on hold all the time. So communication is the weak link but otherwise happy.
5
out of 5
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.