5
out of 5
POSTED: | BY: Cheri Barker
Clear and easy to use
Clear and easy to use
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,774
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: James Carmichael
Great customer service and help
Great customer service and help
2
out of 5
POSTED: | BY: Katie S
Find another insurance company
Embrace insurance is quick to reply to submitted expenses. Unfortunately, their pre-existing conditions are overreaching. My dog had a mild reaction to chicken once when she was a baby. Now several years later, she had a severe and sudden allergic reaction to an outside environment. Embrace refuses to cover any of this, saying the conditions are related, despite a medical report clearly stating that her exclusion was a "food allergy to chicken". The denial of the appeal also elaborated on the condition explaining things that are excluded that were not mentioned before in the medical report. An appeal from both our veterinarian and an allergy specialist have been denied. I would not recommend this company.
1
out of 5
POSTED: | BY: Carolyn Willis
i would give 0 stars if i could
i would give 0 stars if i could. i am still waiting on a claim from july and it is november. it kept saying missing medical records multiple times i had to ask them to reach out to my vet. my vet sent all the information multiple times. then my claim got placed on hold. i called customer service so many times and each time they said “we have all the info now it just has to be reviewed.” then i would get an email saying “we’re still missing information” and the cycle would start over and over. i have officially given up and if i am not reimbursed in the next few weeks i am just going to cancel with them.
5
out of 5
POSTED: | BY: customer
Great service
Great service, 1st time used in 8 years was thinking about canceling but I’m thankful I didn’t. Reimbursed immediately. Embrace will always be my choice!
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.