5
out of 5
POSTED: | BY: Charity Comella
Very easy process to submit claims
Very easy process to submit claims. Fast turnaround.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,862
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: Susan Boyles
Absolutely love this company
Absolutely love this company! I sleep better at night because my pups are insured!
4
out of 5
POSTED: | BY: Jeanmarie Mcguire Scanapico
The turn around time for reimbursement…
The turn around time for reimbursement is much longer than what I experience with Trupanion. even when all the documentation is provided
1
out of 5
POSTED: | BY: tiina prio
Embrace needs to change their business model
I had two dogs on my policy. I have been a customer since 2009. Sadly, my dog Bruce got very ill and had to be put to sleep. I called to cancel his policy. I know that the person I spoke with could see that my dog was very old. They did not bother to ask why I was canceling my policy and flippantly said OK, Bruce is off your policy. I felt this was not right. My pet care company of dog products and pharmaceuticals actually sent me flowers! Wow! That is the business model which Embrace should embrace. Embrace should learn a little bit about customer care and sympathy. I am very disappointed in this company and they should change their name because they don't embrace anything but money.
4
out of 5
POSTED: | BY: winwinwinWinny
Love/Hate but Mostly Love
I have a love/hate relationship with Embrace but I will say they are one of the best out there for your pet. I've had them for almost 8 years and they are still one of the only pet insurance companies that cover grooming. There's a few reasons I don't love them all the time... one pain in the a** is uploading claims on their app. It takes soooo long that you just want to give up on it (maybe a tactic on their end lol). Uploading them on their website from my laptop is so much faster and easier. I've also had quite a few discussions with them over some claims that should have been covered imo. Most of them were settled but there were a few times they chose not to cover in the end. I do have to say that their coverage has changed a lot since we first signed up. For example, my one dog has been doing hydrotherapy since 2017 for occasional lameness. They used to cover it no matter what but for the past couple years they will only cover 12 sessions for a new injury per policy period. That's one of the discussions I ended up losing. It's very important that she continues going so it would be great if they still covered it. Their rates are pretty comparable with other companies though and I love that they have the wellness option to cover things such as grooming, acupuncture, preventative care & even CBD if your vet recommends it. Their customer service reps are always so nice and helpful. I have had a pretty decent experience with them. Just make sure you get your claims in on time and challenge anything they don't cover. And the sooner you get coverage for your pet the better because no pet insurance companies will cover pre-existing conditions... so get it before there are any. Every pet owner should get insurance if they can and I highly recommend Embrace. I would much rather have them than not.
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.