5
out of 5
POSTED: | BY: Kathy Weaver
…Submitting a claim is easy
Submitting a claim is easy and claims are promptly reviewed and paid.
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: Angel Morales
Excellent turn around time for claim…
Excellent turn around time for claim processing. Easy to use .
3
out of 5
POSTED: | BY: Jane Orr
2016-2024 customer then left
Was with Embrace from 2016 to August 2024. Initially the first few years they were great to have and had the best customer service. I had the wellness and accident-illness plans. I had everything covered and would generally max out my wellness benefits before i would need to dip into my accident-illness. Even things like groomers were covered. The issues started once we relocated from Missouri to Texas. Rates just seem to increase a little each year but not at any alarming rates and still pretty affordable. Fast forward to when my dog turned 7 years old and rates starting going up like significantly to even when he turned 8 years old May 2024 I even more till point I was paying 46.95 (wellness no change) +$111.76 (accident-illness, huge jump). They claimed it was due to my dogs age. I bite for a few months until they claimed to not wish to cover one of my scheduled appointments with my dog where they found some type of urine infection. So instead of pushing it towards wellness, they tried to push it towards accident-illness within hours (I submitted late night before and claim was song next morning) of my initial submitting. This lead to a phone call immediately as I had paid over $243.66 for the appointments and they were only initial going to give me a fourth of that cost. Customer Service had to go back and forth between me and the adjuster which was mildly annoying versus allowing me to speak directly to them. Finally I told them to cancel my account effective next day. I was advised i would been refunded certain things but may also needed to be pay Embrace for additional funds that may exceed $100 to $200 that would be in an email since again the adjusters won't call you directly. All in all super disappointed where this company has gone from where ir was 6 years ago.
5
out of 5
POSTED: | BY: Pam Korper
Amazingly easy to deal with
Amazingly easy to deal with. If you can take a picture of your medical bill you will ❤️ this insurance easy peasy!
1
out of 5
POSTED: | BY: jerry morel
Terrible
Terrible. They take your money and run. Endless automated emails. Requests for information on loop even after it’s been sent 2-3 times. Decline 100% of claims. Avoid at all costs.
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.