5
out of 5
POSTED: | BY: Gerald Johnson
Quick and easy.
Quick and easy.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,755
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: Andrew
Using Embrace couldn't be easier!
Using Embrace couldn't be easier! The app and webpage make submitting a claim super easy. Every claim I've submitted has been at least partially covered and I get feedback on my claims super fast, usually the same day. It makes me wish my own health insurance worked the same, feels like how insurance should work!
5
out of 5
POSTED: | BY: Dorothea Flaspoehler
Harrah was great
Sighing up was great Hannah was the lady that was so helpful explaining everything to me.
1
out of 5
POSTED: | BY: Gary Speyer
I am a brand new client and to the…
I am a brand new client and to the world of pet insurance. After purchasing a new puppy I wanted to get insurance since my last pup went through expensive arthritis and cancer issues her last couple years.
So far a terrible experience with Embrace since February 1. Filled out all the paperwork including vet medical history.
My vet filled out and signed the orthopedic report.
There are zero issues health wise with my pup, but Embrace continues to reject the paperwork.
They are requiring revised paperwork and an additional office visit at my expense just to satisfy their needs.
Claims department sent a nasty email stating we are at a standstill with coverage even though I have no claims.
Their customer service department keeps transferring me to other departments only to get disconnected and having to start all over again with my story and required follow up.
I’ve invested many stressful hours only to have them come back weeks later saying the forms sent in will not suffice.
They promised to call my vet and request them to print out a revised medical history only to find out they did not follow up.
It just should not be this difficult to get pet insurance for a young pup and unacceptable that I paid in advance over $1,000 only to find out he is not covered.
Considering cancelling and moving to another company. They are also closed weekends.
Embrace-You need to treat your customers better!
3
out of 5
POSTED: | BY: Cynthia Knapp
They required ALL medical records…
They required ALL medical records before making a decision. Despite giving the record they still wanted more. Took over a month for the decision.
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.