5
out of 5
POSTED: | BY: Carrie Pardy
Reimbursed within a week!!
Reimbursed within a week!!
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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: Alex Gambero
Go elsewhere. Avoid the Gaslighting.
So far I feel that the company is a scam with the amount of reasons they try to find to not pay for the care of two very healthy 2 year old cats with one episode of vomiting and poor intake. They gaslight you into it being your fault that you are asking to get a bill covered despite paying their premium every month on time since the cats were barely 10 weeks old.
Embrace your wallet and time because they will be sure to take a lot of both and make you feel like you purposefully made your cats sick and shame you for going to get routine care for them.
Response to their reply: it’s an automated response that they copied and pasted from other users with similar issues. It doesn’t address specifically their denial.
1
out of 5
POSTED: | BY: Anand
Like every other typical insurance…
Like every other typical insurance company, Embrace also finds reasons and excuses to not pay claims. Nothing surprising.
5
out of 5
POSTED: | BY: Stuart S
Excellent service - Easy to submit claims
Easy to submit claims, quick service, everything clearly explained
5
out of 5
POSTED: | BY: Terra S
I have had Embrace Insurance for about…
I have had Embrace Insurance for about 6 years on 2 of my rottweilers. I have catastrophic insurance & dental only with a 1000.00 deductible, reduced to 750.00 w 2 pets. I recently had my 10 yr old female develop a vaginal discharge & acting lethargic. Took her in for an ultrasound & they found a large mass attached to her uterus which required surgery. Luckily they got it all & it was benign. Embrace without any problems paid 90% of her bills minus the deductible within about a week. After never needing them for almost 6 yrs I had to question how much push back I would get & honestly it went very smooth. Submitted all my bills online & they followed through. It was quite a large bill as surgery & 2 ultra sounds with a lung x-ray does add up. The only part they didn't pay for was her medication at the onset as I don't have medication coverage. Although they did pay for the oral meds during her surgery & her nights stay at the hospital for observation which I feel is important as bringing a dog home 5 hrs., after a major surgery to me is not wise. The only thing I wish is they didn't limit you to 10,000.00 a yr per pet by the policy you choose, 10,000.00 seems like a lot until you experience something like this. With the price of vet costs I think the limits should be higher depending on certain circumstances. Other than that I highly appreciate their promptness & concern for the pets.
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.