5
out of 5
POSTED: | BY: Scott Johnson
Great claim submittal and review…
Great claim submittal and review process.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,000
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.
4
out of 5
POSTED: | BY: Lyna Torres
Good experience
Good experience. I was able to get at least half of my bill covered which helped some.
5
out of 5
POSTED: | BY: Randi Miller
Embrace is the BEST
When my dog blew out his knee, I admit I panicked about how I would afford his surgery and aftercare - then I remembered I have Embrace. I received my reimbursement via direct deposit in less than 30 days, and thanks to the addition of Wellness coverage, I had a lot fewer out-of-pocket costs than I imagined. Its a real comfort to have such comprehensive and compassionate care from an insurance provider.
1
out of 5
POSTED: | BY: Miriam Lazur
Would give 0 stars if possible
Would give 0 stars if possible. My cat almost passed away in December from acute glomerulonephritis (kidney disease), which had never been previously diagnosed (he is 1 yr old). Despite this, my claim for his medical expenses was rejected due to the pre-existing condition of a cough that was noted during his kitten wellness exam 10 months prior. I appealed the decision and my vet provided additional medical records and a statement that the two were in no way related, however my appeal was again denied. In the past year I filed 3 claims for 3 different pets and every single one was denied. I have cancelled my very expensive policy for all of my pets and filed a complaint with the California Department of insurance. I would never recommend anyone waste their money on this insurance.
5
out of 5
POSTED: | BY: Anne S.
Easy claims process!
I found the claims process pretty easy. The direct deposit option for reimbursement adds another layer of simplicity. The very first claim took a little longer (a couple of weeks maybe), but once the first claim was processed subsequent claims were processed within a couple of days.
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.