5
out of 5
POSTED: | BY: Caroline Allan
Very responsive, excellent company!
They were very responsive and always very kind!
4.9
out of 5
Number of reviews 20,325
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: Daynakin Great Danes
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 sanchez
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.
5
out of 5
POSTED: | BY: Jeanne Legault
Best Pet Insurance!!
I did a lot of research on pet insurance before deciding on Embrace. I recommend it to everyone! You couldn't find better and more cheerful customer service. They provide lots of different options for coverage. You can create your own plan. I have 3 cats and each has a different plan. Our older cat, for example, has no diseases or any signs of poor health. But adopting a kitten from a rescue shelter, you just never know, so I got more insurance for him.
1
out of 5
POSTED: | BY: Paula Leonard
DO NOT BUY
This insurance is horrible. Do not buy this. They denied my claim for an isolated incident for my dogs ear infection due to him getting water in his ears. The are trying to say that the ear infection is pre-existing because my dog has dermatology issues. The ear infection had nothing to do with my dogs dander issue!!!! So disappointed after paying all this money for the past few years!! Customer service was horrible! Do not get this insurance!
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.