5
out of 5
POSTED: | BY: Charles Caparas
Claims Process
Easy to file claim and quick response.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,325
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: Angela Grant
No help and no payment on dogs care.
No help and no payment on dogs care.
5
out of 5
5
out of 5
POSTED: | BY: Mark Robbins
I wish human health-care insurers were like this
I've been very impressed by the ease, simplicity and efficiency of claim processing with Embrace. They want to be helpful and supportive, and it is deeply appreciated. I wish human health care insurers could be so customer-oriented. I am HAPPY to interact with Embrace. Would I ever say that about one of my human health-carer insurers?
1
out of 5
POSTED: | BY: CC L
Way too complicated
Way too complicated. Asking too many documents even we provide receipts and my Vet had to send 3x for them to acknowledge received of documentation.
Taking about 1 month to get reimbursed back. What a headache claim plus when I called, customer service department was not very friendly.
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.