5
out of 5
POSTED: | BY: Dahlia FLores
Super easy to submit a claim
Super easy to submit a claim
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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
POSTED: | BY: C.K.
five stars!
Very responsive and quick to process claims. Needing medical care for our dog was stressful enough, but Embrace made it easy. The claim process on the website is very straightforward and helped to keep our focus on our dog's recovery!
1
out of 5
POSTED: | BY: Debby
Ask about SOAP notes or waste your time and money while your pet is not the main concern.
Customer service is very courteous. I adopted my puppy at 4 months and this is my third policy to cancel and she’s only 15 mo old. Lots of jumping through impossible hoops. No reimbursement. We live in a rural setting. She has never been injured. The problem is my vet does not use SOAP notes. The vet does provide medical records but not in the form all insurances require. FINALLY! This customer service made that clear. I can never have my pet claims reimbursed for a reason I learned after a year of premiums. We love our dog and our vet. The insurance constraints make her uncoverable. We hope to have her for years. Very frustrating as no one told me the SOAP requirement but gladly took my money. I had to research vet procedural requirements and contact my rural but wonderful vet to determine the problem. ASK YOUR VET AND YOUR PROSPECTIVE INSURANCE BEFORE YOU PAY FOR INSURANCE. Our pet is not uninsurable because of an unspoken requirement. 1) Your vet is an amazing practitioner but does not conform to the insurance software/paper compliance. You won’t ever receive reimbursement. 2) Your insurance company will not tell you up front that the SOAP medical records system is mandatory. Handwritten or typed medical records are useless to an insurance company. My beloved pet’s life and future pain unimportant to the insurance company because of our rural location. 3) What exemption will you discover? Having paid all her premiums timely, they were for naught. I suppose insurances will require Electronic Medical Records next. Which will truly be absurd. My pet is uninsured despite our efforts and great care. Buyer beware! Wasted money. No security for my girl. All because of paper compliance. I didn’t know to ask about SOAP to either vet or insurance company. I can guarantee you the vet prices will be higher if specific software is demanded. I’ve wasted far too much time on this already. My pet is still at risk! 4) Embrace did refund my first premium but I was not informed of SOAP requirements until I educated myself. The Fetch and Pumpkin companies continued taking my money while not paying claims. They never told me SOAP was mandatory. I educated myself and asked Embrace directly. Otherwise I may be in the same pay for nothing vicious circle.
5
out of 5
POSTED: | BY: Marcos Rebollido
Embrace was there
Although it's never good to have an ill pet, Embrace was there to help along the way. Don't mistake the process - there are still precautions you have to take out to ensure you're getting help (keeping up to date on records, immunizations and documentation), but once reviewed, they were able to help with some of the hospital bills.
1
out of 5
POSTED: | BY: Robert donaldson
This company is a giant RIP OFF
This company is a giant RIP OFF. They will always find a way to NOT pay a claim filed on your pet. Very expensive and you get NOTHING in return. I cancelled my pet policy and DO NOT recommend anyone getting this policy!
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.