5
out of 5
POSTED: | BY: Andres Arcila
Claims were satisfactory resolved and…
Claims were satisfactory resolved and fast.
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4.9
out of 5
Number of reviews 19,997
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: Suzanne Hobbs
I very much liked the ease of talking…
I very much liked the ease of talking to a rep. All of the company reps were sweet, knowledgeable, and kind. Even the one who took my cancellation notice was friendly and never tried to change my mind or sell me anything. I adopted my Coda one day after putting my 20+ yr old Pepper to sleep for serious kidney issues. I wanted full coverage for the new one so I didn't have to spend huge money if she was found to suffer from kidney issues as well. She had been to a vet once with previous owner and from that ONE visit, they refused to cover her for any kidney issues due to one lab done 2 yrs previous. I will care for this lil girl the remainder of her days, but them considering her a bad risk due to ONE lab, irritated me beyond my ability to continue with the now over $400/yr. coverage rate which was much higher than her initial yr. coverage. Nope, I am NOT paying for other pets issues and rate increase because of ONE lab. I am a retired R.N. and have worked with insurance companies all of my career. If this had been a human being I would have been appalled, however I am simply angry with it being a pet. My income is fixed. I can't afford outrageous jumps in a policy coverage rate in only one year especially if it will not cover the health issues I most worry over. I will simply put money aside monthly for her vetting. Give me rationale for this massive rate increase at least, before simply billing me. ( she was seen by her vet ONCE in this past year for her distemper inj. and I never bothered to submit it thinking it would push her fee up. I was wrong, and should have known it would go up anyway). Insurance was a waste for Coda and I.
4
out of 5
POSTED: | BY: Barbara Justen
Representative was very informative
Representative was very informative, helpful, interactive, and pleasant. Walked me through the options with clarity and patience. Specially
appreciate the tool to explore the options and costs- very very helpful.
5
out of 5
POSTED: | BY: Bridget Kearney
Seamless submission experience and very…
Seamless submission experience and very quick turnaround of payout.
4
out of 5
POSTED: | BY: Renee Gentry
The Embracer was really patient and…
The Embracer was really patient and understanding. I wanted to make sure that my November payment went through for my little Ginger.
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.