5
out of 5
POSTED: | BY: DIANE
The person in customer service was…
The person in customer service was great and very helpful.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,303
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: Laura E
Very easy to use and submit a claim
Very easy to use and submit a claim
5
out of 5
POSTED: | BY: Dona Thompson
The process was much easier than previous…
The process was much easier than previous experiences. Last year I had bills that I didn't submit because I dreaded the process. I was overwhelmed with illness in the family and could not not get my head around the forms. however, I find this insurance more expensive than others, The deductible is outrageous. Dr. Hoffman is fabulous.
5
out of 5
1
out of 5
POSTED: | BY: Vee Barlow
Ten Years of Trust Gone Overnight
I’m really sad to write this review. I’ve had Embrace for ten years with no issues and I even recommended them to others long before they had a referral program. As we approached the ten year mark, they started calling me nonstop. When I finally spoke with someone, they told me my premium was increasing to 4.5x what I had been paying. This was on top of the yearly increases they already apply. They were calling because they KNEW people would be pissed if that auto charge would have happened without letting people know.
This is the stage of my dog’s life when she needs coverage the most, and they raised the premium higher than what I pay for both my own and my son’s health insurance combined. It feels like they were trying to push long term customers out before any major vet bills come up.
I am extremely disappointed and now my aging dog is left without coverage. It's all shady and typical for an insurance company. I now tell everyone to avoid Embrace and just save money is a pet savings account for the day you may need it.
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.