5
out of 5
POSTED: | BY: Terry Hunter
Totally easy to use
Totally easy to use, received claims back within a few days.
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4.9
out of 5
Number of reviews 19,756
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.
3
out of 5
POSTED: | BY: Toni Sorrentino
I don't like the increase on policy…
I don't like the increase on policy every year my Junior just turned 2 and your policy went to $10 I am now paying close to $70 a month ..I pay nothing for my health insurance because I'm in the low income bracket I get help from the government for almost every thing I don't get much in s/s that is the reason so that is one of my complain the other is I thought Prescription meds were covered and do was blood work
3
out of 5
POSTED: | BY: Judy Innes
Claims
Make sure any medications are FDA approved! For a dog? Really?
1
out of 5
POSTED: | BY: Zephyr M
BUYER BEWARE choose a better company
Just know that they will say everything is pre-existing even on a six month old puppy and really what are you going to do about it? My own vet wrote them a letter, and still they dug their heels in. He died having seizures and couldnt stop the first ones we had ever seen as he was a puppy and he died that way..with no help from them. I spent 5k trying to save him over a three day ER period in Austin TX He had a seizure that wouldnt end, suddenly at 3am. It was covered. They said somehow he was pre-existing? Even though all the vets and i said otherwise and all the records too...I mean he just was born a few months prior, vets said this as well and we appealled...so disrespectful to my boy Waylon my love of a chocolate shih tzu. My world. To deny the whole thing, not one single thing did they cover. Lame, misleading. Expensive, devastating. Lame. Boggles the brain, seems shady. Can you afford to hire a team of lawyers? My vet and all their techs avoid this company now too based on what happened. They didnt pay one red penny. Thinking it was covered, I am now stuck with thousands to pay. So I will tell thousands of people and it will be better this way. I would rather know upfront so I switched to Lemonade and have Care Credit line for urgent issues with a better rate on repayment than embrace as well. Its going much better. Make sure you understand insurance, its not a guarantee at all. That handy little pre-existing loophole they love to jump through it and can pretty much stuff anything into it as a category and as I said what would you be willing to do about it? How much do you want to spend? I tell all my clients and all my owners this story. Show all the records, spread the word so other people dont get taken advantage of. Dont choose Embrace. I wish there was a way to block their corporate babble canned food response to this review. I think however, the truth can be felt, sensed even on this review...and this consoles me.
Lemonade, Chewy and a few others are wonderful. Put your confidence into a better place than Embrace. (In honor of Waylon Brisket Jennings we miss you buddy)
5
out of 5
POSTED: | BY: Doug Ulp
I’ve been extremely happy and grateful…
I’ve been extremely happy and grateful for all that embrace has done to support me and my cat Callie. Thank you for your compassionate team.
Doug
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.