5
out of 5
POSTED: | BY: Terri François
Claims/Invoices are easy to upload.
Claims/Invoices are easy to upload.
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4.9
out of 5
Number of reviews 19,895
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.
1
out of 5
POSTED: | BY: Kelly Dunn
Very disappointed with Embrace
Very disappointed with Embrace. Every claim I subimtted was always denied because of "preexisting condition". They even tried to claim preexisting when he had surgery for foxtails. I had to fight with them over it and they didn't cover the full surgery. The final straw for me was when my dog had to have surgery to remove excessive skin on his gums which was growing over his teeth. Again, said claim it was per-existing. They said because he had plaque on his teeth when he was first examined 18 MONTHS PRIOR that's the cause of gum overgrowth. Actually, the overgrowth was a side effect from allergy meds! Embrace is in the business of not covering claims. Rep was so argumentive with me I decided to just cancel it. Not worth paying out when the policy has no value. I have Pumpkin Insurance for my other dog and have NEVER had an issue. Switched him over to that policy.
1
out of 5
POSTED: | BY: Rachel Shepherd
Sky rocket annual increases
Wish I could give high stars but my policy just increased 20%. First year was $51 per month and eighth year is going to be $239. It’s crazy how much my policy has increased and we have very low claim history per year, sometimes not hitting our detectable.
2
out of 5
POSTED: | BY: P Sobo
Agent assigned preferred email…
Agent assigned preferred email correspondence.Tried to call me one time but after that no response. Sometimes email isn’t the best. Left Pets Best thinking this was a better company. Not pleased so far.
5
out of 5
POSTED: | BY: MARY
So easy to submit claims
Easy to use. Portal is great. Fast and user friendly.
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.