5
out of 5
POSTED: | BY: Rene B
Very easy to submit claims
Very easy to submit claims
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4.9
out of 5
Number of reviews 19,739
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: Gary Curtis
Spoke with Linda
Spoke with Linda. She was a great help in setting up my account and explaining how to process a claim.
Very pleasant and helpful
5
out of 5
POSTED: | BY: Tammy Hickcox
That was simple and fast
That was simple and fast . Thanks so much
1
out of 5
POSTED: | BY: Alejandro J
Absolute terrible so far
Absolute terrible so far. Bad communication on their part I have to do their job for them and to top it off denied the claim over some bs. Definitely taking legal action! unacceptable! I will cancel my policy as soon as I let the adjuster know what’s on my mind. Definitely go with another insurance provider. I had to take my pup to emergency. He got diagnosed with terminal heart issue 3-9 months and he be gone. Charges $3000 of vet bills. And empower said he had the condition prior I took him because he didn’t eat his food two days before that’s how they denied the claim. Because two days before the two week waiting period wasn’t up yet. Just some bs excuse not to pay premium. Plus on-top of that I had to get all the records because they couldn’t. I did it in. 30 min. It took them 30 days to tell me they couldn’t get them. And I had to call them because empower never called me to let me know they wasn’t able to get them. This company is absolutely ridiculous. When I need them to be there they denied the claim. After getting such terrible news they did that to me. So hell with empower. So if someone reads this review look for elsewhere to insure your pet. This company is a total joke.
1
out of 5
POSTED: | BY: Mike Forte
A Total Scam
Would give zero stars if able. This is just a money grab, really closer to a scam. Our dog started getting sick so we signed up for the insurance. After a prolonged waiting period, we started working up the problem. Over multiple visits we finally clinched a diagnosis, only for embrace to come back and say everything was "pre-existing". This insurance in particular and pet insurance generally is a scam. Don't sign up with these guys.
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.