5
out of 5
POSTED: | BY: Carol
Easy to submit
Easy to submit
Read more on Trustpilot
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
POSTED: | BY: Joanie Engram-Bibb
Very happy
So far. We have had a wonderful response and reimbursement from Embrace. I have recommended it to all my friends who have pets. And I have had a close friend and my family sign up for Embrace. I hope they get the same customer service as I have experienced.
5
out of 5
POSTED: | BY: PWM
The process is very smooth
The process is very smooth. Customer service is what it should be.......very helpful with invoices.
4
out of 5
POSTED: | BY: Greg W.
Online claim submission
Online claim submission straight forward. Would suggest instructions include that claim submission asks first for expense information and then, secondly, injury/illness and treatment information. Also, allow documentation to be appended to diagnosis and treatment information.
1
out of 5
POSTED: | BY: Brian B
Embrace is a Borderline Scam
If you've taken your pet to the vet before, Embrace is likely not for you. My expectation was clear pre-existing conditions would be covered but had no idea how one-sided their rulings would be with an intentionally cumbersome appeal process. Had your dog in for the vet to look at a benign cyst a year ago? Embrace's stance: "All types of cancers are permanently ineligible for coverage" Our pet recently was cut on his stomach incidentally by the groomer and Embrace determined that an ear infection a year prior made it ineligible since it was related to the "derm." We were highly dissatisfied with their claim process and their support team.
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.