5
out of 5
POSTED: | BY: Devri DeToma
Great Insurance.
Great Insurance. There are no hidden stipulations.
4.9
out of 5
Number of reviews 17,369
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: Thomas Campbell
Amazing Insurance, Amazing People
Embrace did everything they said they would. Straight-fowrward, friendly, and honest customer service/support. They lived up to and exceeded all of my expectations.
5
out of 5
POSTED: | BY: Francisca Brown
Love Embrace
Embrace makes it so ray to take care of your pets. I love how easy the application and claim process are made for the customer. I recommend Embrace to all my friends that have pets. Thank you for all that you do Embrace representatives.
1
out of 5
POSTED: | BY: Tom
Pre-existing issue
The jury is out on Embrace, I have a young puppy that had stomach issues documented from regular vet and puppy shot visits prior to buying the insurance then 4 months later a diagosis was attached to the illness they called it pre-existing Even though it was growing and gaining weight right on schedule, because the vet and I had a convesation and she made a note of it it was pre-existing, my vet didnt even know what the dog had!
4
out of 5
POSTED: | BY: Beth
Great Customer Service
This has been my first experience with pet insurance, and this is the second year that i've been insuring my pets. I have two boxers (both of whom have pet insurance). I love the fact that they have the "wellness care" now also, I spent ~$150 to get ~$200 in wellness care. So that's $50 for free!! It's great that you can spend it on a variety of items (front line, annual check up visits, etc.) I have called and/or emailed customer service a number of times. They are always willing to explain things to you and are very quick at responding to emails. They send detailed forms with their emails to show your deductible and what is covered, what you were reimbursed, what's left. So it's very easy to follow. I did my research before signing up for embrace, they had the highest reviews and now I understand why.
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.