5
out of 5
POSTED: | BY: Brian Carter
Super quick and fair
Super quick and fair
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,347
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: Diana Roberts
Claims process is smooth
Claims process is smooth , easy to upload forms. Timing from submission to review to payment is timely and efficient. Overall it’s been a very pleasant experience - as ‘pleasant’ as it can be 😀
5
out of 5
POSTED: | BY: Steven H.
Quick and easy claims process
We've had Embrace for over four years and are lucky to have never had to submit a claim. Recently, we just had to submit our first claim and it was so easy. They reviewed our claim, approved it with a breakdown of the claim, and the money was in our account within days.
3
out of 5
POSTED: | BY: Namita Sahgal
Claims are classified depending on…Claims that are not paid
Claims are classified depending on prior conditions. My dog had liver disease which had not been identified before, but I was told it is a pre-existing condition. The claim was declined. I feel that for the premium I pay monthly some amount of the claim should have been paid.
2
out of 5
POSTED: | BY: Adrianne Corrine Greenholt
This Insurance Sucks!!
I have taken my Pets for Routine Annual Pet Vet visits and Vaccines. Both my Pets went for their Annual visits in November 2023. I did not try to receive payment for these Vaccines or visit, However, when I took my Dog Sadie into our regular vet for a new Health concern after the waiting period and my claim was denied after being told they had received complete records to move forward with my claim. After waiting forever, received a comment that records for Sadie were incomplete and my claim was denied to to a previous existing condition as they decided on my claim!!!! I canceled the next day. Customer representative was also very rude and condescending to me on the phone.
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.