5
out of 5
POSTED: | BY: RICHARD
Prompt courteous service
Prompt courteous service
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4.9
out of 5
Number of reviews 20,347
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: dogsunderfoot
Thorough and fair
The review of my claim was thorough and fair, and Embrace kept me informed throughout the process. They communicated clearly and promptly, and worked hard to resolve communication issues with a prior veterinary practice. One staff member worked on the entire claim with me, so I didn't have to address questions or issues repeatedly with different people. Overall they were very easy to work with, and the outcome of my claim was reasonable and covered what I expected.
5
out of 5
POSTED: | BY: J Mirocke
Our dog became sick last week vomiting…
Our dog became sick last week vomiting everything he ate or drank all day. It was a Saturday evening and we have one vet open at that time, the only emergency vet hospital in the county. We had to pay over $1200 that evening for his treatment. I submitted the online claim form and it was approved the next day. The refund was in our account the following day! We are so happy we chose Embrace!
1
out of 5
POSTED: | BY: Cindy Wong
You should sign up if you like hidden charges and 40% increase per year.
I had the policy for 5 years and accepting the 40% increase per year. The last straw was I moved across town (going to the same vet) and they claimed they had to increase my policy another 30%. So my policy basically doubled in price. Please do the math before you sign up for this scam. My premium per year would be around $900 and the related deductible is $750, so my out of pocket expense is $1,650. I might as well just pay the $1,650 directly to the vet. And remember depending on your plan not everything will be covered so you’d have to pay excessively to Embrace and then still need to compensate your vet. Over the course of five years I made ONE claim and it didn’t even exceed the deductible. It was the biggest rip off of my life. Please think twice before you sign up.
2
out of 5
POSTED: | BY: Tammie Stansberry
The goal is not pay for your pet when you need it
Embrace isn't worth the money. Especially the lovely $40 increase in 2024. Their only goal is to NOT pay out anything. Better off just paying out of pocket. I am on my second year with them and submitted my first pre-approval claim and they covered a small a portion and said no to the rest. Keep your monthly premiums in your pocket instead. You could save that up and use that to pay out of pocket. More beneficial than this sham of pet insurance company. STAY AWAY FROM THEM!!
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.