5
out of 5
POSTED: | BY: Monica Luquis
Always communicate in a timely manner…
Always communicate in a timely manner and process claims w/i a wk.
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4.9
out of 5
Number of reviews 19,971
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: Ronda Malone Burrage
Awesome Experience with Embrace
We've had both of our dogs insured through Embrace for the past 3 & 1/2 years and have never needed to file a claim until last week. Sadly, after spending two days at the emergency vet, our sweet Rottweiler was diagnosed with an aggressive lymphoma and because she became quite sick very fast, we made the difficult decision to put her to sleep. Through this very difficult process, I was so appreciative of how quickly and easily Embrace handled our claim. I had the money in our account within two days of submitting our invoices in the app. Not only that, once they saw the invoice that included euthanasia, Embrace automatically reached out to us via email to let me know that they would cancel our coverage and refund us any overpaid premium back. This was so appreciated, as I was dreading having to call and take care of canceling her coverage as I am still so sad over the loss of our sweet girl. After this experience, I can't imagine not having Embrace coverage for all of our future pets.
5
out of 5
POSTED: | BY: Brooke Burton
Very communicative
Very communicative. Process is straight forward and easy to use. Once you’ve done 1claim it’s customer friendly. Well done!
5
out of 5
POSTED: | BY: Vincent Aliberti
Embrace has always been there for us
Embrace has always been there for us. Customer service is top notch. Online portal makes submitting a claim easy and reimbursements are quick for covered claims.
1
out of 5
POSTED: | BY: Carolyn Goodwin
Inconsistent handling of claims
The first 2 claims were handled quickly and efficiently. I have had problems with another 2 claims, however. While the staff is pleasant, nothing happens. They either need more information or didn’t receive what was submitted. The vet sent the information twice. Not good enough. They wanted information since the puppy’s birth. Fortunately, I did have some pedigree information and medical care information. Still haven’t received reimbursement after 2 months. No consistency. They say claims usually take up to 30 days. Stock up on your patience.
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.