5
out of 5
POSTED: | BY: Victoria Lynn Berdnik-Atkinson
We love Embrace!
We love Embrace!
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: Dennis Ross
Premium Increase after 1 yr.
Claims are usually paid within two weeks. My last claim took almost a month because they said they needed more info……which they received with a day of asking. Other than that, my only issue is after the first year of insurance, the premiums almost doubled because of “veterinarian cost increases”. Needless to say, we’ll insurance shop and find another provider
2
out of 5
POSTED: | BY: Mark Miller
I submitted a claim for flea meds
I submitted a claim for flea meds. I submitted the invoice from Costco and was told I needed a prescription from the vet. I sent in the prescription and was told I needed something called a "Go sheet" from Costco. The example matched the sticker on the meds box so I sent that in. Then, I was told that Costco's invoice only had an RX number and not the actual name for the flea meds. So, I went back to Costco and, after research, they are mailing me another invoice (they don't do emails!). All in all, it is taken me nearly two months, numerous emails, and two phone calls to simply get reimbursed for flea medication. This is insane!
5
out of 5
POSTED: | BY: Jennifer
Absolutely Worth It!
I cannot express how thankful I am that the claim process was so simple during such a hard time. Insurance is one of those things that you don't think about until you need it and when you need it, you don't want it to be difficult. The level of coverage, the customer service, and pricing are all great and well worth it! Highly recommend!
5
out of 5
POSTED: | BY: E Parker
Could not BE easier to file a claim
Could not BE easier to file a claim! Finally, one easy part of my day!
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.