5
out of 5
POSTED: | BY: Tammy M
Quick claim payment
I submitted my claim and within a few weeks I received a check for claim.
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4.9
out of 5
Number of reviews 20,339
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: Rob
Premium increase
My premium was increased this year for no apparent reason. My cat has never been sick and I have not used the insurance. They claim it is due to rising operating costs, an increase in Vet fees, and my cat’s age. My auto rate only goes up if I get a ticket or get in accident. My health insurance premium does not go up if I get sick. If my pet insurance premium is increased every year, by the time my cat needs a Vet I’ll have paid so much for insurance over the years I’ll be lucky to break even, particularly if you take the deductible into account. I had pet insurance years ago and my premium increases were modest and few over the years. When my dog fell ill and had to be euthanized the insurance reimbursement was a great help. It appears all these companies operate on the same business model. I don’t know if the insurance is worth it in the long run.
5
out of 5
POSTED: | BY: Richard Gieseler
easy claims process
easy claims process, and though my dog died they were very helpful. also sent a beautiful plantable card
5
out of 5
POSTED: | BY: Angela Borneman
The service agent was super compassionate…
The service agent was super efficient and compassionate when I explained we needed to discontinue coverage for our dog who recently passed.
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.