5
out of 5
POSTED: | BY: ISD
Claim
Thanks for making the claim process simple.
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4.9
out of 5
Number of reviews 19,864
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: Jamie Wells
highly recommend
I’ve been using this company for almost 8 years and have had three dogs insured. Currently I’m down to one. This company is professional, easy to file claims, quick to get back to me with questions, and even helped cover my dogs cremation when he passed away a year and a half ago. Having pet insurance eases my mind and I know my dog will be taken care of. Highly highly recommend.
1
out of 5
POSTED: | BY: Eliza Beth Lumbo
They don't pay claims
They don't pay claims. They make excuses and it's just not worth paying over $400+ a month to get horrible customer service and lame excuses. I don't even think I can get into the situations with my animals. I understand I don't have wellness coverage, so they don't cover for vaccines and wellness visits. They take the invoice and store it in their system for each animal. However, they also don't cover visits medicine (when you pay for it) and for actual covered claims. They continue to indicate file on hold, until (it seems) you grow tired of trying to meet their requirements. I think I'm going to turn them into the insurance department and move on to another company. The BBB should also become involved in the issue. I actually have to visit my veterinarian to inquire about requests for SOAP notes. They just delay delay delay until time immemorial. Don't purchase this insurance, there are many others that don't behave in this manner. I should have stuck with Nationwide.
4
out of 5
POSTED: | BY: Del
Refund/claims
They have been quick about refund wellness credits however are being more difficult about getting claims resolved and reimbursed. Have submitted multiple claims and continue to say forms are not legible. They are very clear and legible.
5
out of 5
POSTED: | BY: Darlene
One less worry
My vet had discovered a soft tissue sarcoma on my kitty girl. The news was unexpected and surgery was required. I was worried for my girl's health and the outcome. The one thing I didn't have to worry about was the expense of her care. Embrace was there to help.
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.