5
out of 5
POSTED: | BY: D. Gildner
Quick & Painless Claim Setup
Quick & Painless Claim Setup. Fast reimbursement.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,739
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: MJMROVER
Very disappointed in Embrace
Very disappointed in Embrace. I switched to them because they partner with USAA. For the first few years, every time went to the Vet, Embrace found a way not to pay; whether pre-existing condition or just not covered. We wasted thousands of dollars. This year, my healthy 11 year old dog, they want $2,775.16 to renew for a year!! Ridiculous!
1
out of 5
POSTED: | BY: Sarah Babb
I wish I could give them 0 stars
I wish I could give them 0 stars. Been a loyal customer for over 10 years. My dog is 14/15 years old and they raised his monthly rate to $585 monthly.
1
out of 5
POSTED: | BY: Michael
Orthopedic Report
I'd never recommend Embrace to anybody at this point. Signed up to cover my dog in January and had the vet fill out the orthopedic report. Even though the vet specifically didn't check any condition and said he was perfectly healthy, the rate adjustor assigned to me added a pre-existing condition to my coverage. After contacting the appeals team and having my vet once again confirm no pre-existing conditions for my dog, my appeal was denied. Promptly cancelled my coverage. If this is how they treat you at the beginning of a plan, I'd rather pay more somewhere else.
1
out of 5
POSTED: | BY: Russell Bigworm Ludwig
AVOID THIS COMPANY!!!!!!
This company says they provide coverage for your pet and then you start submitting claims and they deny the claims. Worst pet insurance out there. I've had better experiences at used car lots!
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.