5
out of 5
POSTED: | BY: Joanne Siciliano
Morgan was professional and very helpful
Morgan was professional and very helpful
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,763
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: russellclan.amado Russell
Great customer service
Great customer service, I had 4 claims in 1 month due to infections and surgery - it took 2 tries to get all the docs to the correct spots, but once they had them the claims were processed in a few days, then a couple days and I have money in my account. Overall a fairly good start, especially compared to human insurances.
5
out of 5
POSTED: | BY: Markie
Great plan
I have enjoyed my benefits for Bonz thus far.
5
out of 5
1
out of 5
POSTED: | BY: Kayla Wunschel
I strongly do not recommend Embrace Pet…
I strongly do not recommend Embrace Pet Insurance. We paid premiums expecting coverage for our pets, but when we filed our claims, all were denied. Both our family veterinarian and a veterinary specialist provided written letters confirming that the injuries were not pre-existing conditions, yet the company still refused coverage.
We submitted thorough medical documentation and followed their process, but our claims were dismissed without fair consideration. After this experience, we canceled our policy. In my opinion, this company does not stand by its stated coverage, and pet owners should be aware before trusting them with their pets’ health care. We were left with thousands of dollars in expenses that we reasonably expected to be covered.
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.