5
out of 5
POSTED: | BY: Christine Khan
Embrace is great
Embrace is very convenient to complete a claim and their response time is phenomenal! Thanks!
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,744
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.
2
out of 5
POSTED: | BY: John O
Lousy customer service experience
Submitted a claim on 1/10. Received a message on 1/17 on the app that they reviewed my claim and that they requested medical info from Vet. I checked with vet on 1/20 and they had not received anything from Embrace. I sent email to Embrace on 1/24 asking when they sent it. On 1/28 I got a note saying they were going to have to request the info. I called Cust service on 1/30 and they said they didn’t send email request until 1/28 and it could take 30 days from receiving info from vet to settle the claim. I called vet on 1/30 and they still had not received the request from Embrace. The vet was going to call them. I’m very dissatisfied with what was a lousy customer service experience! We’ll see how long it actually takes to settle the claim! I expected much better!!
5
out of 5
POSTED: | BY: Margaret Hockaday
Best customer service
The representative was patient and quite helpful.
5
out of 5
POSTED: | BY: Anthony Silva
Nice an easy transaction
Nice an easy transaction. App works great and time to process seemed reasonable. Cheers
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.