5
out of 5
POSTED: | BY: Donald Karle
Quick turnaround on claim
Quick turnaround on claim. Kept updated on the status of the claim.
Read more on Trustpilot
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.
1
out of 5
POSTED: | BY: Barbara Zwart
My pet had just passed and thy
My pet had just passed. When I called to cancel my policy, they told me I had to pay $600.00. They said that their contract is year to year even though I paid monthly. I am on a fixed income and that's a lot of money for me. I will never use them again with future pets
5
out of 5
POSTED: | BY: Tom
Emergency vet visit
We've had EMBRACE for 4 years. Luckily we've never needed to use our insurance until recently. The app is super easy to use. Uploaded the necessary documents and hit send. I was notified that the documents were received and were being reviewed. Money was in the bank a few days later. Thank you for being there for us!
4
out of 5
POSTED: | BY: Clarence Gill
Well the price went up so I changed…
Well the price went up so I changed company
1
out of 5
POSTED: | BY: Dawn Marini
Terrible claims department…
Embrace Pet Insurance tells customers that the turn-around time for processing a claim is 10-15 working days (No weekends or holidays). They say you can submit the claims via email, "snail mail", or portal. If you choose NOT to use the portal, the delay in reviewing claims is excessively long. For example, I emailed all my documentation on 6/20/2024 and their claims department did not even open the email for 8 days. Then you add the so-called 10-15 days for processing. I have contacted their VP's office and they give stupid reasons why they cannot process emails directly/immediately. Basically, the portal method is not as easy as sending it directly via email. So... if you choose not to use the portal (not easy for people who are not computer savvy), your claims are DELAYED and you are being penalized. It means a lot to get reimbursement when your veterinarian bill is in thousands of dollars. I will be getting a second dog this month and I have already found another pet insurance company that advertises quick returns on claims. Embrace needs to realize that there are many new pet insurance companies available, and they will lose customers if they continue to be complacent. If my present dog did not have a pre-existing problem, I would drop that lousy insurance in a New York second.
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.