5
out of 5
POSTED: | BY: Mary Martha B
Thankful for Embrace!
Super simple and takes the stress off an already stressful time!
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,756
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: Janelle Caputo
Unhelpful Services
My experience with Embrace started off well, with understanding and helpful customer service representatives and informative welcome packets. However, it quickly turned sour as my first claim took two months to process and then was denied. My claim was for a visit where my pet had not received a diagnosis at all, her tests came back negative and the reason for her illness remains unclear. Embrace, however, decided that because she had presented similar symptoms before my policy started, she is not eligible for reimbursement anytime these symptoms are present. I was paid $6 of an $840 claim because Embrace certified that *symptoms* were enough to confirm a preexisting condition that she was never diagnosed for by a licensed medical practitioner. After multiple calls and emails asking to appeal this decision Embrace closed my claim without further inquiry. I am extremely unhappy with their services and will not be returning after my first year's policy is complete.
5
out of 5
POSTED: | BY: Shannon Pryor
Security when you get bad news
My dog was diagnosed with inoperable lung cancer two weeks ago. Embrace has paid every claim within days allowing us to focus on him instead of worrying about thousands of dollars.
4
out of 5
POSTED: | BY: customer
Once I discovered how easy it was to…
Once I discovered how easy it was to file a claim through the Embrace app, it was a snap. Those I talked to were pleasant and helpful. My claim was paid promptly.
5
out of 5
POSTED: | BY: Darlene
The claim process is user friendly
The claim process is user friendly. It is expedient and effortless.
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.