5
out of 5
POSTED: | BY: Joni Bell
Great Customer service
Great Customer service, kind compassionate and well informed
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.
2
out of 5
POSTED: | BY: Deborah Malak
Not Happy
I am not sure why they do this but, my dog punctured his front leg and had a patch of skin hanging. Vet did sutures and before covering the surgery Embrace required all medical records from all vets he may have seen. This I can understand. However, my pup broke open his wound requiring an additional two surgeries and again, embrace is requiring all medical records from all current and prior vets. They already have this information. Why are they making me wait for reimbursement? Do I have the option of paying them only when I know that they will cover a procedure? No. So review your records and reimburse me. This is why I have insurance because sometimes life happens.
5
out of 5
POSTED: | BY: Rusty Jackson
Swift easy claim submittal
The process of submitting a claim was easy, especially with multiple claims. The site response during claim submittal was great, no problems entering the information or attaching the invoice files.
5
out of 5
POSTED: | BY: Michael Bush
Very satisfied
Very satisfied. The claims are handled quickly and efficiently.
5
out of 5
POSTED: | BY: Customer
Lifetime of Care for My Dog
Over the 12.5 years I was lucky to have my Monte, a yellow lab, Embrace covered him, from surgeries to repair ruptured cruciate ligaments (both knees, one year after the other) to renal issues, benign but in-the-way fatty tumors, and a thyroid condition. In all cases, Embrace helped me never think twice to get Monte the treatment he needed to live the full and wonderfully active life he did. Their service is easy to access, staff always helpful and knowledgable, and claims are paid quickly. Great service overall.
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.