5
out of 5
POSTED: | BY: Susan Malanowski
Easy to understand what is covered and…
Easy to understand what is covered and quick review
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4.9
out of 5
Number of reviews 20,006
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.
4
out of 5
POSTED: | BY: Charles Rader
I finally got my payment on my claim…
I finally got my payment on my claim and it was exactly what i expected
2
out of 5
POSTED: | BY: Bruce Shank
Communication with Embrace is weak
Communication with Embrace is weak. Like raising prices without prior notice or any contact with my local vet. Deductibles seem almost useless help.
2
out of 5
POSTED: | BY: DAVID
Just Okay!
All I can say is that I tried to file a claim, and it seems like all of my dog's ailments were pre-existing, so nothing was covered. They may be suitable for emergencies, but for annual checkups, they're not worth the monthly cost.
1
out of 5
POSTED: | BY: Susan Lee
Each Pet Should Have Its Own Policy Anniversary
We adopted two kittens, both of which I signed up for insurance two weeks before my dog's existing policy was set to renew. Due to that existing policy for my dog, the two cats' policies went up by over 20% on the same anniversary date as the dog's policy. This is a huge oversight on Embrace's part. Each pet should have it's own anniversary date when premiums rise. The way it is set up now is unnecessarily penalizing existing customers. I called in to request that they honor a year on the quoted premium but they could not do it and could not provide any reasonable explanation as to why my two new kitten policies should have to renew at a much higher premium just two weeks after their policies were created. This is asinine.
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.