5
out of 5
POSTED: | BY: Jacqueline Gill
Very easily navigated.
Very easily navigated.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,775
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: Shirley Smith, Lanham, MD
I gave them a 1 star because they…
I gave them a 1 star because they denied EVERY claim I submitted due to pre-existing conditions. I decided to cancel my policy after I submitted them a claim to have my dog's ears flushed out because he somehow got dirt and debris in his ears. Unfortunately, he has a history of ear infections, which the vet treats by putting medicine in his ears. This particular visit to the vet about his ears was not an infection, but Embrace did not cover it. Plus, I had never submitted a claim to them for this type of visit because this is the first time he was ever treated for dirt/debris in his ears. This is the response I got from Embrace:
"Accident or Illness Claim: I am sorry to inform you that the diagnosis provided to us by your veterinarian for this claim is not covered under your policy because a dermatologic condition, allergic dermatitis, was noted in the medical records on 4/6/21, which was prior to the policy purchase. This makes dermatologic conditions (including but not limited to debris in ear canal) pre-existing. Based upon the pre-existing condition, coverage is not available for the claim presented.
I understand that this email does not bring you good news. If you feel I am incorrect in my assessment and have additional information for me to review (such as additional doctor's notes or a statement from your veterinarian), I am happy to reopen Lucky's claim. If you could send me any additional information in the next 14 days, I would be happy to take a look."
I did not bother filing an appeal because at that point I decided to look elsewhere.
5
out of 5
POSTED: | BY: Christine Rivera
Great customer service and easy process
Embrace customer service was extremely helpful and very professional. I had to take my 8 month old pup in to emergency services for vomiting, I filed my claim the next day and had my refund within two weeks. This was my 1st claim and I as soon as they had all his records they sent my refund the next day! I’m so happy we got Embrace! They made the process so easy!
5
out of 5
POSTED: | BY: Michele Iovanni
They made it easy to guide me through
They made it easy to guide me through
Submitting claims and very helpful
During a very sad time
5
out of 5
POSTED: | BY: Renee Varner- Skipper
I love this app is super easy to use…
I love this app is super easy to use for claims I just information needed then have to worry about trying to speak to a live person that I can't understand
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.