5
out of 5
POSTED: | BY: Carolin Alaverdian
Excellent service
Excellent service, thank you so much
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,332
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: R. Bedell
I am not the best with filing medical…
I am not the best with filing medical or veterinary claims - though it is so easy with Embrace's webpage with filing a claim that I felt like a rock star!!!!
1
out of 5
POSTED: | BY: Deborah Williams
Has anyone heard of an "UNDIAGNOSED pre-existing" condition?
If I could put a minus star on this company I would. I insured my dogs with no pre-existing conditions (except for seasonal allergies for our boy dog) and they were receiving excellent and regular vet care from the top rated vet practice in our city. My girl got a ruptured disc and had to have very expensive surgery, along with medications and special equipment post surgery. We were so relieved that we had pet insurance. You could have scraped us off the floor when our claim was denied. They said our dog had an "UNDIAGNOSED pre-existing condition" Our vet couldn't believe it. She sent letters, e-mailed and called multiple times telling them and proving that this was not something that could be considered pre-existing. We appealed three times and each time they denied it. Be aware. . .they do not have Vets in their company to review medical information. So the people that are looking these claims are just everyday people off the street with no experience working with animals. My dog's breed is not known for having this condition. We took it to our State Insurance Board. After reviewing the information, they agreed with us that the condition could not have been pre-existing. Although they could not force Embrace to pay in our state, the investigator recommended it and the company again said no. The investigator recommended that we sue, and we probably will do just that, because we have compelling evidence that our dog did not have a pre-existing condition. If you decide to use Embrace after this review, just know that they will worm out of every opportunity to pay for necessary and life saving surgery. Then you, after paying for insurance, will be left with a big bill that may take you a long time to pay off. It is hard to make the choice between saving your pet and knowing that you will be incurring debt that may affect you for a long time, even though you did the right thing and bought pet insurance that you thought would protect you. To be honest, it is my goal to tell every person about our awful experience with Embrace, so that they don't fall into the same trap that we did.
5
out of 5
POSTED: | BY: Gretchen Munson
Everyone was so helpful
Everyone was so helpful! Screwed up my submission and the problem was fixed on your end before I could even call! Thank you!!
3
out of 5
POSTED: | BY: mloa69
Made a claim over 3weeks ago
Made a claim over 3weeks ago. Still nothing! Only multiple email's requesting information from my vet. Not happy.
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.