5
out of 5
POSTED: | BY: TOM COSTANZA
Great Experience
Embrace makes it easy to file the claim and I had a check within 2 weeks of the filing.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,329
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: Barb Huffstutler
My claim was processed really fast
My claim was processed really fast. It was so easy to file a claim and upload the documentation from the vet. Embrace reimbursed me for exactly as described in their policy.
4
out of 5
POSTED: | BY: James Knapp
The person that I talked with was good…
The person that I talked with was good enough to find the answers to my problem even though it was not the answer I wanted.
1
out of 5
POSTED: | BY: JD
I wouldn't recommend Embrace Pet…
I wouldn't recommend Embrace Pet Insurance to my worst enemy. They go out of their way to find reasons to not pay a claim. You purchase this policy thinking that your pet/pets are covered, and then the second you submit a claim they find all sorts of reasons why it should be denied, their most notable being "pre-existing conditions."
Case in point: they wanted proof that my kitten didn't have a pre-existing dental condition at age 5 months.
Kittens lose their milk teeth at this stage, so they are already growing in new teeth. What vet is going to say, "No, no signs of dental issues..." when the teeth are growing in? None.
But that's the kind of thing Embrace loves to do: invent reasons do deny coverage. They LOVE paperwork, but only if it's in the format they want, otherwise they deny it. If your vet gives you a print out and Embrace doesn't think that's appropriate, they will refuse the claim.
You adopted a pet from a shelter? Well you better have a full printout of every day of the animal's life or else Embrace will deny coverage (always a pre-existing illness).
No one deserves to be put through this when their pet is ill. NO ONE.
AVOID EMBRACE AT ALL COSTS.
5
out of 5
POSTED: | BY: Nola
I have had a couple cats insured with…
I have had a couple cats insured with Embrace insurance. I have been very happy with the outcome of my experiences. My most recent cat did not have any pre-existing conditions but in June I noticed that she was losing weight and not eating very much. I took her to the vet and the vet ran many tests over the next month and we still couldn't find out exactly what was making her lose weight but suspected it may be pancreatitis. We finally had to let her go on July 1st. The bills were over $4,000 and Embrace paid a Little over $3,800. I will not ensure any of my pets except with Embrace insurance.
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.