4
out of 5
POSTED: | BY: Minwoo Song
The app is somewhat slow
The app is somewhat slow
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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: Alisa Landman
Submitting Claims is Easy!
I love the ease of submitting claims. I rescued a standard poodle and not knowing much about her past care, I felt it important to have coverage for possible potential medical needs. Embrace has been fabulous so far. I'm so glad that I have peace-of-mind knowing that I have help meeting her medical expenses.
5
out of 5
POSTED: | BY: Ellen Blodgett
Renewing the Plan
I had to call Embrace to inform them of my new debit card for payment . My dog's policy is due for renewal in the next week so I had to call them with the information . The consultant was courteous and efficient . I was able to complete the transaction quickly.
1
out of 5
POSTED: | BY: Laura
They Don't Pay Claims
I completed all intake forms and thought most of my claims would be paid. I filed some claims through their portal after five months but then had to send duplicates of invoices for another month. Then they decided I must send them my dog's health history back to a full year before I applied for coverage. After another month, they decided my dog had pre-existing conditions, all minor, and denied all but one claim, and the cost of that one came out of my deductible. So, 7 months paying premiums at $48 a month, and I'm out $350 in premiums with no coverage. Also, their communication by email is very slow and a 30 min wait time by phone. Do not recommend.
1
out of 5
POSTED: | BY: Josie Ottman
Claim denied for ridiculous administrative reason
My dog had to have a portion of her tail amputated. it took some time to get a proper diagnosis and for the tail to heal properly (as in months). The accident occurred two days before the policy renewal. I submitted a claim once the dog was deemed fit and healed and it was denied because it was not within the 60 day post renewal period, even though this was an ongoing and very traumatic injury -- think blood splattered all over the house.
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.