5
out of 5
POSTED: | BY: Mary Percell
Ease of use to submit claims online
Ease of use to submit claims online
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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: Dave
Easy to use
Easy to use, great communication and response.
4
out of 5
POSTED: | BY: Linda Berg
I have used Embrace Pet Insurance for…both my cats and dogs, wellness and emergency care visits.
I have used Embrace Pet Insurance for several years. With Wellness care most of the year visit items are paid in full and quickly.
With emergency care it can be longer. Usually, reimbursements are quick and no big deal. However, when there is an issue, the emails can be a waste of time. I would like to see an adjuster just pick up the phone and ask a question, issues would be taken care of so much faster. Otherwise, great plans are available.
5
out of 5
POSTED: | BY: Brandi Covington
Worth every penny
Worth every penny! Coverage is phenomenal, app is user friendly and claims are easy and thorough. It really puts my mind at ease having pet insurance for those emergencies AND wellness.
2
out of 5
POSTED: | BY: Heidi
So far not good
I can't say much in the way of positive right now. I filed a claim two months ago which still has not been resolved. I just started insurance with Embrace based on reviews and have paid three months of premiums with no resolution. I get that they need my dog's medical history and that was provided after a call to his Vet and Emergency Vet, but recently they would not pay the claim because they needed medical records from a Vet in NC before I even adopted him?! I called to tell them this was getting a bit ridiculous...how am I supposed to have records from before I knew him? When I called and hit the prompt for customer inquiries, I was told it would be an hour wait. I hung up and called back and hit the prompt for "cancel insurance," and got someone right away. I explained I am rethinking my decision because of these ridiculous inquiries and adopting a dog with an unknown past should not be all that uncommon. I was assured that I will hear something in a few days...we'll see. That was Friday and this is Tuesday? I also updated my address while on the phone with the customer service representative. I moved five miles away and changed the last number of my zip code from a seven to six and was informed my premiums will go up?! We are seeing the same Vet...how can our premiums go up?
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.