5
out of 5
POSTED: | BY: Judy
Wonderful supportive company
Embrace has excellent personnel
Very prompt service
4.9
out of 5
Number of reviews 20,000
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.
4
out of 5
POSTED: | BY: Sue
Pretty quick turn around time for processing claims
Although the premium has increased each year, we have had Embrace pet insurance on our bernese mountain dog for 9 years!
It’s been great!
5
out of 5
POSTED: | BY: Caroline
Very responsive, excellent company!
They were very responsive and always very kind!
5
out of 5
POSTED: | BY: Daynakin
I've been happy with Embrace, and suggest everyone have pet insurance.
I've had Embrace pet insurance for many years and have been happy with their service.
2
out of 5
POSTED: | BY: claudia
Premiums increase w/age
My main issue with Embrace is the fact that they increase policy premiums anywhere from 20-35% almost every year. Why every year? Because each year your dog ages, they can (and do) increase the premiums. they will claim the reason is because older pets, like people, tend to get sick more and cost more money for care. however, my premium doesn't go up each year. so i find their reasons a ridiculous logical circle. I also don't remember reading anything about that before i signed up with them. i know premiums can and will go up but 20-35% annually because my dog gets older each year is ridiculous. that means it may start low when you first sign up but if you have them for 5 years you can expect at least a 100% increase in your premiums. that's insane! and robbery in my opinion. i had them for one year and am looking to switch before my plan renews next month. don't like the hidden fact about the annual age increase. although i will give them credit for answering my questions about it pretty honest and directly once i learned about it. i have two dogs and a cat insured by them.
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.