5
out of 5
POSTED: | BY: Edward
Claims are easy to submit when I had a…
Claims are easy to submit when I had a problem it was quickly resolved.
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4.9
out of 5
Number of reviews 19,744
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: Noah Petramala
Unfaithful practices, just don’t do it.
I chose this company based on their positive reviews, but my experience has been a nightmare. I enrolled my 4-year-old cat a few months ago, but upon submitting our first claim, they denied it immediately. After reviewing her records, they have now flagged every previous minor issue as "chronic," effectively ensuring that nothing she is seen for in the future will be covered. It feels like a bait-and-switch. What is the point of paying for insurance if the policy is designed to never pay out? Save your money and look elsewhere.
3
out of 5
POSTED: | BY: Cathy Muri
Quick to pay claims but hard to cancel
Embrace was fairly quick to pay benefits but the policy price increased every year and at a pretty large amount. I understand vets aren't cheap but my biggest issue was cancelling my policy was very difficult.
3
out of 5
POSTED: | BY: Pat Devlin
I modified my policy because it was…getting too expensive
I modified my policy because it was getting too expensive. The modification was recognized by Embrace but I was still charged the higher amount.
5
out of 5
POSTED: | BY: Gustave Wandland
Sarah and Channel it’s a pleasure to be…
Sarah and Channel it’s a pleasure to be with you ensuring my pet Dog Estelle gets the best care.Great customer service they helped pick plan being I just signed up.
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.