5
out of 5
POSTED: | BY: Barbara
Excellent pet insurance
I have had excellent experiences with Embrace! Highly recommend them.
4.9
out of 5
Number of reviews 19,756
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: Chris
WORST PET INSURANCE EVER
Embrace is the absolute worst pet insurance. Maybe this is how all pet insurance companies are, and wish I had used someone different. Nothing is covered and everything is "pre existing" or the deductible is never met ($150 which is low). I wish I would have known or been told to take my dog in (first visit) as a "screening or physical". My dog is healthy and my vets exact words were that Jack "is a dog of a lifetime" and have an amazing dog! Instead I took him in for a couple minor issues (not knowing this was a "pre screening"); otherwise I would never have done that. Now I'm screwed for everything. I hate this company and is a waste of time and money. Only reason I don't switch, is because I'm sure everything now will be "PRE EXISTING"! Embrace is great at not covering and paying out. Typical insurance company. Actually, auto and health are higher on my scale as far as "insurance companies" go.
5
out of 5
POSTED: | BY: Beverly
Embrace insurance is terrific
We recently incurred significant bills when our dog was hospitalized in critical care for pneumonia. Claims are easy to upload and reimbursement is quick.
5
out of 5
POSTED: | BY: Dos
Worthwhile
My cat needed an expensive surgery and my insurance policy covered all costs over and above the deductible and co-insurance. If I was uninsured, I would be in a much worse place financially. The claims were processed timely.
5
out of 5
POSTED: | BY: Barbara
Excellent pet insurance
I have had excellent experiences with Embrace! Highly recommend 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.