5
out of 5
POSTED: | BY: wendy
Fast and fair service, no resistance or complications
I have already recommended Embrace to many friends, especially if you have a crazed puppy like mine.
4.9
out of 5
Number of reviews 19,874
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: Marcie
Rates will rise
Beware, your rates will increase. After 1 year (with a 1y/o dog and a 4y/o cat) Embrace increased my premiums by 31%. Why, because the actuarial studies indicated a rate increase was needed for my state...etc. I have never filed a claim either. And I was told that the rates would continue to increase, definitely by the time the pets turned 5y/o and continue to rise. This rate increase practice was NOT transparent. I will put money in a savings account instead. Pet insurance with this company is not worth it.
5
out of 5
POSTED: | BY: Dixie
Awesome
Embrace experience has been nothing but pleasant. From quick turnaround time, no hassles and extremely easy claims submission. Embrace has been everything they claim. I'm very satisfied and Boone is grateful. Thank you for all you do
5
out of 5
POSTED: | BY: Katherine
Embrace Came Through During Cancer Scare
Embrace precertified a biopsy ASAP. In the midst of bad news, Embrace did the work to cover x-rays and ultrasound for an emergency within 1 business day. And stopped me from worrying about cover when I'm worry about whether my dog has bone cancer or not. This is why I have insurance and Embrace came through for me.
4
out of 5
POSTED: | BY:
Overall a good service, I'm just really disappointed with the pre-existing condition policy.
Provides a great service. My recommendation purchase this service with a new pup. To avoid being stuck with a 1,000 bill due to preexisting conditions policies. I have a 2 year teacup yorkie from another family... clean bill of health. Suddenly she becomes ill so rushed to the vet... realizing due to vet bills i need coverage if i plan to keep the yorkie. unfortunately, any diagnosis from that first visit will not be covered unless a year has passed. Otherwise, the wellness package comes in handy.
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.