5
out of 5
POSTED: | BY: Kanokwan O
Easy claim and fast reimbursement.
Easy claim and fast reimbursement.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,873
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: Brenda D Hicks
We have been 100% happy with Embrace
We have been 100% happy with Embrace. They're always friendly, happy to help. Their turnaround time on claims is very quick. 10/10 recommended!
1
out of 5
POSTED: | BY: Michelle B.
Be sure to read the fine print
Be sure to read the fine print. Would not recommend!
1
out of 5
POSTED: | BY: MICHAEL
If you want throw money away. This is your place for pet insurance
Cat with serious health concerns. But embrace sees weight loss not as a symptom but as a preexisting condition. The rational for denial of all claims is not based in science. They use the most ridiculous reason to not pay a possible cancer diagnosis. You would think they scan on you records for your pet. Then search on words to claim pre existing condition. Pet insurance is sketchy to begin with. You will always pay more the. They payout. Appeals are just as ridiculous. So when faced with 2k charges for possible cancer diagnosis. They will use weight loss a pre existing condtio
To deny everything. Every previous cold, scratch, anorexia. They have. Your records and just deny on symptoms. Word search is a great wayto find reasons deny They refuse topay claims. Why do I have e pet insurance? Especially when your pet is older. They have records to search anything and deny. But the denial is not based on symptoms not actual pre existing conditions. So will be canceling the money would be better saved in a bank account. My cat may have a nasal tumor. But because cat sneezes, not covered. Sneezing is a pre existing condition. So ruling out nasal cancer is impossible beit requires a catscan and rhinoscope.Thats about $3500. On top of the 2k I paid. But embrace does not see this as a condition that should be investigated. If per sneezed the head is not covered. if pet lost weight and latter a serious weight loss.Claims
Denied
Because weight loss
Is pre existin. If you have a young pet you might get reimbursed. Older pets, will be denied. The claims adjusters don’t seem
To have any knowledge other then denyjng claims on key words.
1
out of 5
POSTED: | BY: Marjorie Zimmerman
STAY AWAY FROM THIS COMPANY!
They said my dog was anxious and nervous, and was prescribed Trazadone, but Cassie Jane has NEVER taken trazedone, nor was it ever prescribed for her. I have owned her since last May! It is almost a YEAR! She has NOT taken TRAZEDONE, EVER, and she is as sweet and laid back as a dog could possibly be, with people!!! She was nervous on her first visit to the vet as she was just rescued the day before (after being in boarding in a cage for 3 + months) and was ill with food poisoning and worms. Their policy is a scam! It took from January until now for a medical review to be held when I submitted everything to the person who sold me the policy, before I took out the POLICY! Her name was Katie. Embrace waited until 3 months after the cancelation refund deadline to review her files!
FOREWARNED IS FOR-ARMED!!!!
DO NOT PURCHASE EMBRACE PET INSURANCE!!! I am about to report them to the BBB! Cassie Jane,my rescue dog, had worms and food poisoning when I rescued her, and I got $2000 bill from the Emergency room where I had to take her for projectile diarrhea and vomiting the day after I got her. Insurance said it is a preexisting condition so they won't cover ANY vomiting or diarrhea for a period of ONE YEAR....AAAND, if she vomits or gets diarrhea again, before that one year period, it will not be covered and will be considered pre existing!!! WTAF???? What dog never vomits or gets diarrhea???? It was caused by food poisoning and worms!!!! I am so angry I am fit to be tied. I sent Cassie Jane's records in JANUARY! There is a 30 day cancelation refund but despite me calling them over and over, they dragged out her review for the records 3 1/2 months until I could no longer get a refund and paid them almost $400!
DO NOT GET EMBRACE PET INSURANCE! BAD BAD BAD- WORSE THAN BAD!
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.