5
out of 5
POSTED: | BY: Henry Wiese
Fast and easy to submit.
Fast and 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.
3
out of 5
POSTED: | BY: Kerian Bray
Ill informed customer service
I was told over a year ago that my monthly laser treatments for my old dogs arthritis would not be covered I still continue as I could see it benefit her. I come to find out it would have been covered all this time!
I was also told a year ago that the lower back issue my other dog would not be covered but as a good pet parent continue out of pocket to have him also treated.
I come to find out now that this too would have been covered after his issues have become chronic and needed to see a specialist.
The customer service people need better education and maybe provide a list of what is covered to insurance holders. I’m upset that all the money I put out for insurance and only come to find out now that I could have put in claims all this time.
It was implied to only use the insurance for emergencies. Which I have done!
Makes me not happy with the company.
5
out of 5
POSTED: | BY: J T
Very easy process to submit a claim!
Very easy process to submit a claim!
4
out of 5
POSTED: | BY: Ron Richerson
Consistent, personable services
Every time I call, someone answers right away. They are all friendly, personable, which you don't find very often, much less with such consistency. The only problem I have is the system to upload documents never works, and this has slowed down the process dramatically, and hindered communication.
5
out of 5
POSTED: | BY: Craig Wanke
Coverage is good and service is great
Coverage is good and service is great. I wish my human health insurance was this effective.
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.