5
out of 5
POSTED: | BY: Stephanie C. Rainey
Embrace Claim Timeline
Very helpful
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,763
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
5
out of 5
1
out of 5
POSTED: | BY: Miller S
No for older dogs
Hello All, I hope this is useful. I feel like this is for young pets that you get started with early and start paying the premiums. Our 10 year border collie is in great health, per our veterinarian, blood of a 2 year old dog. However, we recently has some benign skin tags removed and teeth cleaned. In 2020 he had a benign skin tag removed and was noted in his charts. Also noted was dirty teeth. We sent in a claim to embrace and was denied for removal of two more tumors and the teeth cleaning. Reasons for this denial was due to the reference in his charts for pre existing conditions. We escalated and applied for a second look and were still denied. If you have a young animal, this might be worth it, however, if you animal is older I would stay away from Embrace.
5
out of 5
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.