5
out of 5
POSTED: | BY: Debra Kamino
Easy to submit claim
Easy to submit claim - first time for me.
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4.9
out of 5
Number of reviews 19,988
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.
1
out of 5
POSTED: | BY: Antonella Lewent
They lie so coverage is not provided
Allegedly the condition that my cat has is not covered. No one will tell you why, the doctor/vet office that did the incorrect coding, nor the date. I have already spent $20,000 of my own money to cover a condition that was preexisting a few days before the policy went into effect. I understood that and did not make a fuss out of it. Now, my cat has a condition that she has NEVER had and the company will not cover it. This insurance is just stealing your money every month and manipulates you into staying because “who knows what might happen”. Well things are happening and nothing is being covered. None of my friends have had issues with their pet insurance for the same case. This company is a fraud, they only care about your money and not your pet’s life. Avoid it, find a better insurance company that won’t waste your pets life nor money.
5
out of 5
POSTED: | BY: Stephanie Johnson
First claim submission
This was my first time submitting a claim and it was super easy. Even my dog could do it. :) It really couldn't have been an easier process. With just a few clicks, I was all set. Really well designed process.
4
out of 5
POSTED: | BY: Gene Rayko
I files a claim with your company and…
I files a claim with your company and they just transferred the money into my account. Very easy process
5
out of 5
POSTED: | BY: Stuart Miller
Our three year old Chesapeake Bay…
Our three year old Chesapeake Bay Retriever had a recent three day emergency hospital stay with several tests/procedures totaling over $7000. Submitting a claim based on invoice only took less than 10 minutes and Embrace handled the rest of process of contacting primary and emergency veterinarian. Our claim was processed and funds deposited directly into checking account in less than a week.
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.