5
out of 5
POSTED: | BY: Leslie Walker
Embrace has been great and reimbursed…
Embrace has been great and reimbursed appropriately!
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,997
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.
2
out of 5
POSTED: | BY: Julia
I have injury/accident insurance with…
I have injury/accident insurance with Embrace for both my dogs at $115/month (80% coverage & $500 deductible). My dog injured his eye. It took dozens of emails/phone calls and over a month to get Embrace the medical records they needed for a claim review (they separate each invoice into an individual review process with different claims adjusters). Embrace relies too heavily on YOU to make sure they have the records they need. What frustrates me the MOST is that even though this was 100% an injury, because my vet used an eye gel that is NOT FDA APPROVED, Embrace would not cover it. They said it would be under their wellness plan, which is effectively an HSA and not worth it. This gel was 25% of each bill I submitted to them, so even though I paid my premiums and over $700 in vet bills, Embrace reimbursed me $2.40. If I find any other loop holes (like the non FDA approved gel BS), it likely wont make any financial sense to keep paying these premiums. Just FYI.
5
out of 5
POSTED: | BY: Michael D Kutella
Added a New Rescue Kitty
I have had Embrace Pet Insurance for two years now. They have always been there for me when I had questions about my pet care. When I needed to add my newest rescue cat, I called them to see what I needed to do. The representative walked me through the process and I was finished very quickly. I’m happy knowing that my new kitty is covered for his health and wellness and any emergencies that may arise.
5
out of 5
POSTED: | BY: Rangeralh
Super Easy
Ease of filing a claim and speed of payment
5
out of 5
POSTED: | BY: Toni Thatcher
this website is so easy to work with…
this website is so easy to work with and the turn around time is fast.
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.