5
out of 5
POSTED: | BY: Donna Tatro
App was easy to use and make a claim
App was easy to use and make a claim
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4.9
out of 5
Number of reviews 19,968
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: customer
Great Customer Service!
Every time I called Embrace - just with questions about my policy and a couple of my claims - they were SO nice. The customer service agents were thorough and made sure they answered all my concerns.
1
out of 5
POSTED: | BY: Renee Dias
I really wanted to like this insurance but....
The customer service is always pleasant and want to be helpful. However I've had this plan since January and every claim I've submitted is still pending . We are new clients and they needed our dogs history which is understandable. We provided all the info they needed and yet all claims are still on hold . I've called well over a dozen times and been told they are moving it on to adjusters , however nothing changes. And no one ever calls me back when they say I'll get a call from a decision maker next day since they are never avail when i call.I have 2 dogs on plan and have always had my dogs on some sort of insurance over the many decades of being a dog owner . This is the 1st time I've ever experienced such a long delay. I'm ready to drop my plan however I don't want to do so until my claims are processed. I pay my premium on time every month ,perhaps I should put my payments on HOLD,I'm sure I'll be dropped immediately.
5
out of 5
POSTED: | BY: Carol Swanson-Loy
Super easy to submit a claim online
We had Embrace with our previous dog, but tried a different Pet Insurance with our new puppy because it was less expensive. We had such a hassle trying to submit claims with that company that we decided to go back to Embrace. We have been very happy with the service and ease of submitting claims. We won't switch again.
2
out of 5
POSTED: | BY: Kay Flory
Any excuse to deny a claim
Seems like they look really hard to find an excuse to not honor claims. My dog had an ear infection and claim was denied because he had a hot spot on his back a year ago.
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.