5
out of 5
POSTED: | BY: Sun Culpepper
Ease of use
Easy to use portal to process claims and auto payment claims was also easy to set up.
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: Anupam Oberai
The initial submissions took a while to…
The initial submissions took a while to get done and it seemed like the same information was being asked for multiple times. I too am at fault as I wasn’t sure of their process. The invoice after that was smooth sailing. The response via email was always very prompt. I would certainly recommend them.
5
out of 5
POSTED: | BY: Tara McBride Capobianco
You always make it easy
You always make it easy! Thank you.
1
out of 5
POSTED: | BY: Elise Harven
Frustrating and Inefficient
The ultimate issue I've been having is, I have been very responsive to fix issues with my claim, but it seems like Embrace's system isn't very efficient. They're either not receiving my responses, emails, etc. or they're ignoring them. My claim is on hold after I've made multiple attempts to reach out to Embrace to fix the issue. At first it was an issue with my cat's name not being correct which I noted in the claim, responded multiple emails and finally got resolved. Now there's an issue that there was not a complete record of my pet's medical history and I submitted it through the site, responded through email, reached out to a customer service I had previously spoken all to no avail. I just called to try to resolve and Embrace's system is down. It has not been easy!
5
out of 5
POSTED: | BY: Lisa “Buckbuckmow” Buckland
Embrace is the best insurance
Embrace is the best insurance. No joke.
In the space of two days, both of my dogs were injured. One was hit by a car, and the other was poisoned. We spent over $5,000 in emergency expenses. They were quick to review the cases and reimbursed me exactly what I signed up for. We were reimbursed 80% of the total bills, less the remaining deductibles.
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.