5
out of 5
POSTED: | BY: Lateesha Smith
Website easy to use
Website easy to use
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,318
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: M Dorman
I think this is the worst insurance…
I think this is the worst pet insurance company there is! You submit claims and you think they’re submitted, because it allows you to click the submit button and later you find out it was NEVER submitted and if you realize later they WON’T cover it because the policy term is over, EVEN THOUGH I’ve had the insurance 8 Years!! This makes no sense! I was covered, I paid, I used THEIR app that didn’t successfully submit it!!! I have a screen recording of it doing this this time. How many other people are out there had this happened to? I have PetsBest for my other two animals, and that company is absolutely wonderful and allow you to submit claims for any past year (whether it was their app or user error).
5
out of 5
POSTED: | BY: Irene
Easy and quick to file a claim
Simple, easy, clear instructions on how to file a claim. Prompt responses that make sense in natural language.
1
out of 5
POSTED: | BY: Jane E Bennett-Bailey
Do Not recommend this company - everything will end of being pre-existing
Embrace has denied all but one claim I’ve submitted since we purchased the policy saying they are pre existing issues. He had an issue prior to the policy taking affect and Embrace is basing their decision on that piece of medical information even though we never submitted a claim. We were told to wait 30 days for policy to take affect which we did however they are making decisions based on what occurred during and prior to buying the policy. In addition, he had a cough one time which is now a pre-existing condition. We took him in for what appeared to be megaesophagus and because it had a cough with it - they wouldn't cover the cost of anything related to it and now it considered a permanent existing condition therefore I can't get any insurance to cover this. A cough and megaesophagus are two totally different things, yet they have decided they are the same. The same for diarrhea - what puppy do you know doesn't have diarrhea being in a new environment and being taken from his puppy family. We had one payout of $25.00 over the years time. Everything we submitted either went to the deductible (which we understood) or what they have decided is pre-existing condition. To me it was a way for them not to pay. Insurance companies are all the same whether human or animal insurance - just want to make money!!
5
out of 5
POSTED: | BY: Pam from Maine
User-friendly way to submit claims
Simple, user-friendly way to submit a claim. Paid promptly to my bank account.
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.