5
out of 5
POSTED: | BY: Ronnie Vance
Excellent follow thru on all claims submitted
Excellent follow thru o all
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,795
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: Gerald Steinberg
Every dog needs Embrace
Every dog needs Embrace. We could not manage our health maintenance and care without Embrace. This company is extremely patient and very helpful.
I strongly recommend Embrace!
5
out of 5
POSTED: | BY: Pedro Rosales
Great service
I’ve had nothing but a positive experience working with embrace as my pets insurance. All the claims I’ve submitted I’ve had help on. All the representatives I’ve spoken with concerning any and all questions for my pet and claims I’ve submitted have been answered. I highly recommend embrace.
1
out of 5
POSTED: | BY: Disappointed
Embrace is one of the most expensive…
Embrace is one of the most expensive insurance companies, which I have known for the 12 years that I have insured my dog. My kids have both had lower rates and greater coverage for years. What I really didn't expect, however, was Embrace increasing my insurance rate by 30% per year at ages 10 and 11, and then by 50% when my dog turned 12. The cost for my insurance this year will be $4000, including a $1000 deductible. Do not be fooled into thinking that loyalty pays, and that sticking with the same pet insurance company is smart, especially if your insurance company is Embrace.
1
out of 5
POSTED: | BY: Csta
Mainly the wellness coverage was…
Mainly the wellness coverage was useful, but if your pet had any preexisting conditions, it will be used against you for everything else. So if your pet was itchy, consider any other skin issue anywhere else on their body to NOT be covered. Even if is different.
For example, if your pet has skin allergies, and they end up with a bump on their foot, you WILL BE DECLINED COVERAGE.
They also had a claim open for 5 months and no one followed up on it, until I had to ask. *Please note how their response failed to address this wait time.
This prompted me to close my account with them.
I’m uncertain why Embrace is requesting for me to contact them any further. I am aware of the policy. They did not make any considerations, or note the possibility of a temporary diagnosis. If you have to wait 6-12 months for coverage, then it is clear that they will not cover your pet.
I do NOT recommend Embrace. Please learn from my experience and read other reviews about Embrace that state they will DENY coverage.
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.