5
out of 5
POSTED: | BY: Valerie
Top notch company
Have Been very happy with the service I have received. Excellent company and fast claims processing.
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: Nancy Wolanski
So easy to submit claim
So easy to submit claim, quick payment. Highly recommend!
5
out of 5
POSTED: | BY: Diana Lynn
A+!!
Embrace far exceeds my expectations in terms of their smooth customer interface, timliness, and fairness. A+!!!
5
out of 5
POSTED: | BY: Latonya Turner
The online portal for submitting my…
The online portal for submitting my claim was easy to navigate, and the response was quick and detailed.
1
out of 5
POSTED: | BY: Zoey’s Owner
Refusal to cover valid claims, excessive wait times on claim resolution
Unfortunately I have not had good experiences with Embrace and will not be using them for future pets. They take an incredibly long time to process claims, sometimes a month or longer, and getting them to cover issues is a battle. They initially tried to deny any cancer coverage because my dog had an abscess prior to coverage starting. Despite visit notes stating it was an abscess, we had to get the vet involved to further prove it. They also tried to deny coverage for hepatic lipidosis from bacterial infection due to a history of thrombocytopenia. Despite having my vet submit an appeal letter, we are going on two months without resolution for the first claim relating to this issue. Finally, they are now also denying claims for soft tissue injuries due to a history of spondylosis. Basically, Embrace will do everything in their power to not cover claims and make it an incredible hassle to fight with them about it, dragging claims out for months I think in the hopes that owners will simply give up.
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.