5
out of 5
POSTED: | BY: ZAWROTNY, JESSICA
Very easy to submit a claim
Very easy to submit a claim
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: MrROCKMUZK Crenshaw
Well I did a review research and it's…
Well I did a review research and it's appear to be 50/50 BUT I took a chance on this company & the staff was professional & very informative & focused on our information(kudos katherine) the short end I didn't like the transaction billing dont give you a transaction record and its very strange in these times that you cannot have a transaction code when your charge for the service they actually make you check your bank statement...didn't like that at all but I remained fair and stayed in tuned...so hopefully the service is great
5
out of 5
POSTED: | BY: Ray
Always Top Notch Service
As always, the best and expedient service for submitting claims and getting reimbursed. I've had family members with other pet insurance companies that often complain about overall service and especially customer service...nothing but top notch quality with Embrace.
5
out of 5
5
out of 5
POSTED: | BY: Nichole Ferry
Easy claims process
I've had Embrace coverage for around two years on my three cats. My experience has been very positive!
After getting everything initially set up with their exams to check for preexisting conditions, its been very low maintenance. I had them to a pre review of their medical records when I first signed up so I knew what exclusions we would have. (Highly recommend so there's no surprises)
During the two years, I've made three separate claims. They were all for relatively minor events ($1,300, $500, & $100). Each claim was hassle free. I scanned the invoice on the app and had my reimbursement in around 2 weeks.
My most recent claim was because I woke up one day and my cats face was swollen. It's scary enough taking your pet to the vet, but then on top of that having to be afraid of the bill, or worse yet - that you can't afford the treatment. Thanks to my coverage I was able to take her to the vet knowing I could afford treatment even if a larger issue.
My premium has gone up a few dollars each year. The amount I received back in claims pretty much broke even with my premiums.
I've been in situations in the past where I've had to choose between going into debt or treating our pet. The peace of mind i have knowing if anything major arises we are prepared is wonderful.
From our experience I don't have any negatives to add.
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.