5
out of 5
POSTED: | BY: Russ Mulholland
Easy and efficient
Easy and efficient. Would not ever use any other company. Thank you.
Read more on Trustpilot
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.
3
out of 5
POSTED: | BY: Joseph Wilson
Great Company/New issues with Pre Existing Condition
I have been a customer of Embrace for several years with great respect for this company and their caring for your needs and the needs of your pet. I had a dog that became very ill and needed emergency services. This company went above and beyond at 2 am to help resolve funding issues with the hospital to resolve my issue and saved the life of my dog. That friend passed away. We have adopted a 1 year old Shit Zu. He is a patient/customer of Embrace. This breed is well known to have periodic issues with skin issues and he had one minor issue of a skin infection from when he was housed in the shelter. The claims review has now disqualified any future claims that relate to a skin issue as a pre existing condition. I do not believe this is fair for me as a long time customer. I have given this companys information to dozens of people at the vets office, dog parks and other casual conversations. I fear this quality experience from issues in the past will now be in doubt if this bad customer service decision continues and I hope this isnt what the future looks with ongoing claims.
3
out of 5
POSTED: | BY: Aina
First time submitting a claim
So far can't state whether I really like or dislike. This is my first time submitting a claim
5
out of 5
POSTED: | BY: Mayra Dominguez
It's so easy to submit claims
It's so easy to submit claims! I was surprised to receive my reimbursement so fast. I recommend Embrace for your fur babies. It gives you peace of mind.
5
out of 5
POSTED: | BY: Jean
Ease of making claim The only thing is…
Ease of making claim The only thing is they don't show for annual visit
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.