5
out of 5
POSTED: | BY: Elle
Wonderful customer service.
Wonderful customer service.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,985
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.
1
out of 5
POSTED: | BY: JPS
Predatory sales tactics
During an appeal, the claims team managed to find new exclusions. Best described as "customer no service." If you have to call be prepared to wait, unless you're calling the sales line - you'll get someone on the first ring.
Ji Garcia, Claims Adjuster
Jenna Mahan, Chief Underwriter on behalf of American Modern Home Insurance Company
5
out of 5
POSTED: | BY: Tim Sullivan
Embrace was fantastic to work with
Embrace was fantastic to work with. I pre-qualified without an issue, sent in the receipts and they took care of it. I was pleasantly surprised that they didn't question my 2 year old dog needing double TPLO surgery.
5
out of 5
POSTED: | BY: Larry
Simple process define what pet went in…
Simple process define what pet went in for, upload invoice and select multiple choice question.
1
out of 5
POSTED: | BY: Annoyed with Embrace
This insurance company tries everything…
This insurance company tries everything to get out of paying. Multiple times
Going around in circles and turns out they had the documents the whole time. This incident lasted months and then didn’t even cover everything
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.