5
out of 5
POSTED: | BY: Blake Balick-Schreiber
Probably the easiest fastest claims…
Probably the easiest fastest claims experience of my life.
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4.9
out of 5
Number of reviews 19,853
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: Joanne Wilkinson
It's pretty frustrating to work with…
It's pretty frustrating to work with Embrace. As soon as you suit the invoice, they send you a message saying they need the invoice. This time, between the vet hospital and me, we submitted the same invoice 5 times. Each time Embrace would send two messages simultaneously: that they had the invoice and that they needed the invoice. I emailed twice asking for guidance and just got a canned reply from a bot saying that they needed the invoice. The experience would be better if an actual person looked at the claim and communicated clearly about what was needed, rather than having multiple automated messages being sent simultaneously.
3
out of 5
POSTED: | BY: Adam Vargas
Typical insurance company
Easy to sign up but during claims, adjusters are terrible at reviewing documentation but are good about trying to come up with excuses not to pay.
5
out of 5
POSTED: | BY: JESSICA
ALWAYS SUPER EASY TO SUBMIT A CLAIM AND…
ALWAYS SUPER EASY TO SUBMIT A CLAIM AND RESPONCES ARE FAST
5
out of 5
POSTED: | BY: Suzanna
Claim Submission
Claim is super easy to fill out and submit.
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.