5
out of 5
POSTED: | BY: Katherine
Your website is the best.
Your website is the best.
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4.9
out of 5
Number of reviews 19,857
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: Christian Orellana
Excellent customer service
Excellent customer service. Easy claims process and the EOBs are easy to read. The phone app is very untuitive and uncluttered. They stood by their word when my dog was hospitalized.
5
out of 5
POSTED: | BY: Meaghan
kind and compassionate
"Kind and compassionate" are not words I typically associate with insurance, but they apply to Embrace. My dog got very sick and spent over a week in and out of the emergency veterinary hospital. The experience was terrible enough, and though cost was a big concern for me, I was willing to spend money to do right by my dog. Embrace gave me the peace of mind that I wouldn't go broke trying to save his life. It was easy to submit claims via their app, and they got processed quickly.
Sadly, my dog did not survive. Embrace Customer Service was so kind to me when I contacted him about removing him from my policy. Even the claims adjusters/reviewers left kind comments in the messages alerting me that my claim was complete. They really care about animals and the humans that love them.
5
out of 5
POSTED: | BY: Seth Gomez
Making a claim is so easy
Making a claim is so easy and straightforward. Someone always gets in contact about the claim within a day or two.
2
out of 5
POSTED: | BY: Michael
Poor notice of “pre-existing conditions…
Poor notice of “pre-existing conditions not being covered forever. A cat that had mild tartar at one point was excluded from any future dental coverage. A dog with a repaired knee injury excluded from any future orthopedic conditions coverage? Complete rip off! A two star only because they are at least polite on the phone.
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.