5
out of 5
POSTED: | BY: Debra
We are very pleased with our refund and…
We are very pleased with our refund and the customer service.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,319
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: Michael Cole
We brought in a total of four French…
We brought in a total of four French Bulldogs and the entire experience was amazing!
5
out of 5
POSTED: | BY: Gaye Anderson
Great service!
Great service every time I submit a claim!
3
out of 5
POSTED: | BY: Susan Peterson
Direct deposit failure
While claims are paid- their direct deposit doesn't work and I've tried several times with different claims (both medical & wellness). Claims have been literally backlogged for a couple of months while waiting for an actual check because direct deposit doesn't work. Also, the wellness plan is very hard to submit since it is not a medical claim. Otherwise, good experience
1
out of 5
POSTED: | BY: Regina Calautti
Flip flopping
It seems you don’t get the same representative even when they give you there number. I was told when I call back I must ask for a medical review when I enroll but no one seems to know what that is. Finally got someone who researched medical review but they can take 30 to 45 days to determine if anything is pre-existing this is were the trickery comes in. Once you sign up you only have 30 days to cancel. So if you are still waiting for their results from the medical review and it goes past the 30 days you are locked in. The medical review is what differentiates from other companies if not, there are better options out there keep looking for a pet insurance company that works for you not entrapment.
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.