5
out of 5
POSTED: | BY: Karen Chiles
Easy filing and prompt returns.
Contacting by phone very easy. The whole experience has been great so far.
Read more on Trustpilot
4.9
out of 5
Number of reviews 16,675
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: Vara
Waiting since 2.5 months for claims processing
Disappointing Post-Sales Experience
My experience with their post-sales service has been incredibly frustrating. Despite making numerous calls and sending recurring emails to their customer service team, my claims remain unprocessed. Each time I contact them, only some issues are addressed, and I'm still waiting for resolution on several claims since September 2nd. Today is 15th of Nov and solely 1 claim out of 10+ is finalized.
It seems like there might be an internal tactic to delay payments, as this isn't the first time I've encountered such issues. Additionally, their prices have been escalating significantly each year, which only adds to my dissatisfaction.
1
out of 5
POSTED: | BY: S D
Rates DOUBLED
At our renewal, our rates DOUBLED- even for a puppy that reached one year old at renewal time with NO claims or pre-existing conditions.
Shop around- there are better alternatives than Embrace.
5
out of 5
POSTED: | BY: Ashley P
By far the best pet insurance you can…
By far the best pet insurance you can get. It can be difficult sometimes when establishing your vet with your insurance but it is SO WORTH IT. The reps are always kind and quick to help when I call with a question.
5
out of 5
POSTED: | BY: Luisa
Outstanding Pet Insurance
My dogs have been covered by Embrace Insurance for many years, and I’ve been immensely grateful for the peace of mind and Embrace’s terrific customer service. Financials are handled efficiently, questions are answered quickly and knowledgeably, and customers are treated thoughtfully at times that are often very stressful. Embrace Pet Insurance gets my heartfelt recommendation!
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.