5
out of 5
POSTED: | BY: Lauren
So easy and thankful!
So easy and thankful!
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4.9
out of 5
Number of reviews 20,336
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: Alex M
I've been with Embrace for about 5…
I've been with Embrace for about 5 years now to insure my 2 cats, and at first it was great. Submitting claims is easy with a quick turn around time for reimbursement. But things changed over the years as one of my cats started getting older. At this point I am most likely going to have to cancel because their prices tripled. Insuring your cats health should not cost as much as a ridiculous monthly car payment and it might just make more sense pocketing that amount and saving it to pay out of pocket for any future visits. If you have any cats that are getting older with some on-going medical issues, don't be surprised if you end up paying $5000+ a year for Embrace. There needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it.
*EDIT* Since I can't reply to Embrace's comment directly; telling me I can "explore my options and change coverage parameters" isn't exactly helpful. I've already talked to them about my policy and lowered it significantly from what it originally was, this review is based off of frustrations after the fact. My original policy used to be much better. 90% reimbursement with a higher yearly limit and lower deductibles. I've already lowered it to where I can intelligently afford insurance for my pets. Like I said, there needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it because I know some people that don't even pay these monthly prices for their own health insurance.
5
out of 5
POSTED: | BY: Claudia Martin
Very easy to submit the claim
It was very easy to submit the claim. You fill out the form, snap a picture of your receipt and send it off. Thank you for making it easy.
5
out of 5
POSTED: | BY: GEORGIA
best customer svc & easy to use software
i had to call to have my password changed the software was touchy and had the best customer service & now submitted a claim for my first time... it was soo easy... thank you
5
out of 5
POSTED: | BY: Paul Threlkeld
Embrace was easy to work with
Embrace was easy to work with and this insurance helped us save our pup.
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.