5
out of 5
POSTED: | BY: linda coppola
Easy claim submission.
Easy claim submission.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,857
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
POSTED: | BY: jennifer waugh
Super easy and straightforward claims process
It was very easy and straightforward to submit a claim with Embrace!
5
out of 5
POSTED: | BY: Héctor Font
Quick and easy submission process
Quick and easy submission process
5
out of 5
POSTED: | BY: Deb DiBiase
Easy to file a claim
Easy to file a claim - user friendly website
1
out of 5
POSTED: | BY: Shayla
Unhelpful and Messy Insurance
Although it took a couple more days than advertised to repay me for my cat's wellness expenses, Embrace did follow through with repayment on that. I was mostly pleased with that.
However, Embrace took far longer than they advertised to fulfill claims (around 14 business days to process a claim). It actually took more than 30 business days due to required medical history reviews that I thought Embrace would have already requested and completed around the beginning of my policy.
Last week I reached out to the Embrace claim team asking for an update on why it was taking so long to get past the 'pending medical history' stage on my claims. The lady told me that they had still not received the records from one of the vets. I don't know why I was not informed beforehand that they had still not received them, as quite some time had past by then, but I reached out to the vet that day and made sure that the records were sent.
The claims lady confirmed that she got them and ensured that she would have the adjuster expedite my claims. She said that they should be done by Friday night, if not that evening. They were not done until today.
After having to wait for over a month to get a resolution, I've been told today that Embrace will not cover the expenses I paid for my cat's pleural effusion (fluid in the chest) because it is being considered as a pre-existing condition - the only thing they'll cover is the euthanasia and cremation. The reasoning I was given was that the emergency vet noted he had a heart murmur back in September, which was before I started the policy and the vet that I took him to last month was never able to determine the cause of my cat's fluid.
I am extremely displeased with Embrace. Not only was I made to wait twice as long as advertised to get my claims resolved (and they did not even reach out to me to let me know what was causing the delay), but Embrace decided to not cover a condition that did not have a determined cause just because a heart murmur was noted a few months ago. Per what I was told by the vet, the cause could have been at least 3 different things. There is no proof that the heart murmur is related to the fluid.
Not only has Embrace not been helpful, but they've also made my financial situation even worse than if I had just handled the expenses on my own. I have already started the process of appealing this decision and am requesting the cancellation of my policy. I do not want to waste my time and money on this company any longer.
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.