3
out of 5
POSTED: | BY: Sarah Graham
Not enough diagnosis options for the…
Not enough diagnosis options for the claim.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,923
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.
2
out of 5
POSTED: | BY: Elli Pauli
They find every reason not to pay...
I have 2 pets covered by Embrace Health Insurance and it seems like no matter what the issue is, they find a reason not to pay. I never had problems like this with my previous pet insurance company. For example, my dog injured her knee from wear and tear over time because she's extremely active and when she developed a limp, I took her into the vet. Embrace refused to pay claiming it is a skeletal disorder, which is not covered during the 6-month waiting period. When I pointed out this an injury, not a widespread disorder, I was told I need to specify a specific incident/accident that caused the injury if I expected them to pay. It has been a rinse repeat for virtually every claim I turn in for both dogs. I highly recommend you look elsewhere if you want to get your money's worth.
5
out of 5
POSTED: | BY: Janis Williamson
Website is very easy to use and not…
Website is very easy to use and not complicated.
Thank you for making pet care easier!
2
out of 5
POSTED: | BY: Nick P.
Premiums on 2 young dogs went up over…
Premiums on 2 young dogs went up over $100 yr. Started at $120/mo, in 3 yrs it is over $300/mo, NO CLAIMS! Thieves, run away!!!
2
out of 5
POSTED: | BY: Colleen Lila
Increase $75…
They increased my dogs insurance by $75 per month. Nothing happened to my dog to justify the increase They refused to pay for a routine vaccine/wellness check. I feel they haven't been fair, my dog is older but very healthy.
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.