5
out of 5
POSTED: | BY: Grace Spadaro-Faust
Excellent service
Excellent service
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: Jack Homeyer
Filing a claim is easy
Filing a claim is easy
Claims get processes very quickly
I had several different pet insurers before Embrace and Embrace is the easiest to deal with.
5
out of 5
POSTED: | BY: Tom Harper
Vrey prompt response to the claim
Vrey prompt response to the claim. Review of vet records done fairly quickly and claim paid unusually fast. Good experience!@
1
out of 5
POSTED: | BY: Elizabeth Ellis
I purchased both Wellness and Illness…
I purchased both Wellness and Illness coverage for my 2 cats. Two months later, after manually providing all the vet records requested, they were still requesting records before claims could be processed. They insisted my cat saw a vet he never saw. They pulled out terms from the records and misdiagnosed conditions, such as "dilated pupils", calling them pre-existing conditions. These had nothing to do with any of the claims, which were for simple things like ear infections and teeth cleaning. Only one claim was ever approved. In the end, I found it more cost effective to save the $169 month rather than pay Embrace for no services at all. I cancelled the policy. However Embrace did not stop. They continued to bill me and contact my vets asking for medical records (which had already been provided). After three phone calls, I hope this stops, but the last call was this week. I told them I will file a BBB complaint if this continues.
Update: Even after the reply from Embrace below, they pulled more money from my account on March 30th. This is over 30 days from my policy cancellation and against the law. There are no more claims to process. I am filling a complaint with the insurance commissioner.
5
out of 5
POSTED: | BY: Kate
Easy to resolve a mixup …
We have been to multiple specialists over the past 2 years with our Lab mix for different issues. We have not had one claim denied or questioned. That has been true since our first Lab in 2011! Most recently there was a mixup with an invoice that ended up being a duplicate claim and we were being reimbursed twice. I called Embrace as soon as I received an email saying the bill was being covered again. I wanted to be honest with them about it and Sarah was able to look into it and figure out what needed to be done right away.
Submitting claims through their app has made the whole process so easy. I tell everyone that pet insurance is important to sign up for as soon as they get a dog. Of course, I recommend Embrace to them and a number of friends have done so!
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.