3
out of 5
POSTED: | BY: Karine
Claim review takes too long
They always take forever to look and review your claims. I like the service otherwise.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,852
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: Valued Customer
Easy to use process once you get the hang of it.
I appreciate the ease of submitting claims once you get used to the system. Also, overall, quick processing.
5
out of 5
POSTED: | BY: Steven Laff
Excellent
Excellent. Stunningly easy to omit claims online. I am very happy.
3
out of 5
POSTED: | BY: L. Rauch
Slow, Clunky Website
The website allows you to file a claim online, but the process is very tedious. The field where you enter the location of the pet clinic is VERY slow to respond and the choices provided are in no particular order, definitely not alphabetical. When I tried to type in the field itself with the clinic name, there was no response.
5
out of 5
POSTED: | BY: EAWarlick
Used them for the past year
Used them for the past year. Had two major surgeries- met the deductible and paid my 10% copay. Quick payment. Very pleased. Saved us several thousand dollars. Highly recommended.
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.