5
out of 5
POSTED: | BY: Karen Fingar
Easy step by step claim submission
Easy step by step claim submission
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4.9
out of 5
Number of reviews 20,007
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
5
out of 5
POSTED: | BY: sylvia albury
So far this is my first claim
So far this is my first claim. And I can't give you an honest opinion until I see if they pay the claim. But the people that I've talked to so far have been very, very nice and very knowledgeable.
5
out of 5
POSTED: | BY: jon wright
Great experience
Great experience. Submitted claim on Friday had the money in my account on Monday. I will continue to use Embrace pet insurance for all my pets.
5
out of 5
POSTED: | BY: Olivia Renna
Very Quick Completion on Claim
I filed a claim with Embrace for my cat’s most recent visit to the vet. Just over $800 for hospitalization, x-rays, and some other diagnostics—she’s unfortunately had two previous surgeries for foreign body obstructions and we were worried she might need another. Embrace sent an email immediately after the claim was filed advising that it may be up to 30 days for the claim to process since it was the first claim ever, but less than 48 hours later the claim was processed and paid into my account. Every communication with Embrace has been clear and easily understandable and they have fully explained what is covered and any possible exclusions based on pre-existing conditions and other previous illnesses/incidents. I am already very impressed with Embrace’s service and am very glad I decided to sign up with them for pet insurance.
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.