5
out of 5
POSTED: | BY: JENNIFER GONZALEZ
claims very simple and straight forward
claims very simple and straight forward
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4.9
out of 5
Number of reviews 20,332
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.
5
out of 5
POSTED: | BY: Becky Gill
Exceptional Customer Service
Submitted my dog’s recent wellness exam results which came with some high expensive procedures. We only have the accident & illness coverage so many of the items were not covered. However, the underwriter at Embrace took the time to review the invoice and was able to determine there were some procedures which were covered under our accident & illness plan. I appreciate the time and effort to ensure we were reimbursed for the items which were covered. Customer service demeanor of the representatives is also exceptional!
5
out of 5
POSTED: | BY: Heather Greene
Heather was super friendly
Heather was super friendly, knowledgeable and helpful. Embrace always has stellar customer service and they process claims quickly and efficiently.
2
out of 5
POSTED: | BY: Lisa Pisanic
Rapid and unreasonable increase in price.
It's hard to know if this is a good insurance company to work with because I never made a claim. However, when I signed up two years ago, the monthly rate seemed very reasonable, but the following year upon renewal the rate went up by 30%. This year it is about to go up again an extra 50% of the new higher price so it will be almost twice the original price.
My animals are very healthy and I haven't made any claims. When I called I was told it is because my animals are getting older.
I did the math and if the premiums keep going up even at the 30% rate per year, if I open up a savings account and put that amount of money away each month, in 4 years I will have a few dollars shy of $10,000 saved up to take care of my animals without having to worry about dealing with an insurance company and paying deductibles and percentages, so that's what I am going to do.
1
out of 5
POSTED: | BY: Dmason
Wellness reward program is so costly…
Wellness reward program is so costly and a scam for anyone who isn’t shopping around for a better plan. Maxed out “benefits” within 6 months. Turns out our offers an unlimited rewards program for only $7 more. Make sure to shop around.
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.