5
out of 5
POSTED: | BY: Nicholas Paramithis
Love the ease of shooting a pic
Love the ease of shooting a pic
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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.
2
out of 5
POSTED: | BY: Whitney
Navigating through the website is awful
Navigating through the website is awful. I had trouble viewing my new dog policy because the option to see it was not in plain, logical sight. Also, I’m having problems with inputting the bank info for reimbursements, which means I will need to call Embrace during a time call volumes are high.
5
out of 5
POSTED: | BY: Tuna
Embrace is very fast at reviewing…
Embrace is very fast at reviewing claims and so far, they have paid all of mine. I was disturbed that my rate increased so much last term, but when I went to the vet and saw their increase in prices, I understood. The one frustrating point is that it is nearly impossible to get through to them by phone. But when you do get through, the customer service is great. They hire wonderful people.
5
out of 5
POSTED: | BY: lisa krauss
Easy to use customer portal for…
Easy to use customer portal for submitting claims and getting EOBs. It does get expensive as your pet ages, but there is an easy way on their site to navigate changing coverage to reduce your premiums. Like all insurance, you need to decide if it is worth the risk of paying out of pocket for an expensive procedure for your pet, or to pay the monthly premiums.
1
out of 5
POSTED: | BY: Jess
Tried to cancel 4 months ago and still…
Tried to cancel 4 months ago and still getting charged over $500 a month. I've lost over $2,000 that I can't afford to lose. They're pricing jumped $300 from the year before. There are other pet insurance companies out there that are more affordable and offer the same as Embrace. Do your research before choosing this company.
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.