5
out of 5
POSTED: | BY: Lois Janke
Best pet insurance company!!
Best pet insurance company!!! Never have any issues with reimbursement!
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,794
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: Amy DiDonna
Excellent first experience with pet insurance
This is my first experience with pet insurance and I am very happy with the product and process. I was able to submit my claims easily and seamlessly, and they were approved promptly. I quickly received a direct deposit for the correct amount.
4
out of 5
POSTED: | BY: Joann Colgan
Submitted claim shouldn’t ask for a…
Submitted claim shouldn’t ask for a review until claim is settled
2
out of 5
POSTED: | BY: Stephen Bucar
When are you going to approve my…
When are you going to approve my invoices for credit? I left my previous insurance provider for rejecting invoices because the veterinarian office wasn't responsive with medical records. Sounds like you are going down the same road!! Why am I paying you?
1
out of 5
POSTED: | BY: Ebony McKewn
They Deserve To Be Sued For False Advertising
I could write a soliloquy on the hoops I’ve had to jump through with this company. Quite honestly, if you can afford to pay for this monthly premium, you can afford to pay out of pocket for any care a healthy animal would receive. It would be far less expensive and void of the headache of dealing with them. You’re required to submit certain documents in order to even get the insurance, including a full medical history, plus a new physical exam for your pet in order to secure the insurance. So why they need all of this information submitted with every single claim is beyond me! It is a hassle to you and to the vet because they literally have it all on file. But why do they do it; to delay, delay, delay and ultimately to place on hold or deny any illness claims you submit. When asked where are the documents, you’ll never receive a response. It’s never a hassle for them to take your money, but always one when it’s time for them to pay up. I’d never recommend them for illness coverage. You’ll be paying them and the medical bills, when you can just pay the medical bills, because you’ll never see a dime back from them. The wellness prevention package is worth it because it’s basically like a loan of your money upfront. But guess what; that’s an add on service so you can’t purchase it without the illness coverage. This company deserves to be sued because they are in no way fulfilling their duties and are misleading their services to get your money. Don’t waste your time or energy. You’ll regret it. I certainly did. And so does my dead cat.
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.