1
out of 5
POSTED: | BY: Wendy Jenks
Now I know my premium will go up
Now I know my premium will go up
Thanks for nothing
Read more on Trustpilot
4.9
out of 5
Number of reviews 16,757
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: TOMASINA SAMPA
Typical & Biased
I was happy with the quick turnaround with claims; usually reimbursed pretty quickly, but lately all Embrace is doing is finding every excuse to exclude conditions & deem them as pre-existing. Now I'm fighting every claim I submit. Ortho conditions were the only conditions mentioned during the probationary period. Now they're "nickel & diming" claims because you have preventative diagnostics done for your pet & because they know nothing about specific breeds. Extremely disappointed in Embrace!
5
out of 5
POSTED: | BY: Melody
Embrace was great value
Embrace was easy to put in claims, very affordable and easy to use. Highly recommend.
2
out of 5
POSTED: | BY: Jorge Yandoc
Not worth it
Sent in two claims and none got approved due to not covered by basic insurance. I felt that it was a waste of $34 a month payment and can’t even re-imbursed on Vet visit.
5
out of 5
POSTED: | BY: Arlene
Submitting New Claims
Regarding submitting new claims …. The fast turn around time is amazing ….I filled out the paperwork in the morning by early afternoon the claim was approved ! Thank you Embrace, you are very much appreciated!!!
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.