5
out of 5
POSTED: | BY: Nuvia
process very easy
The process to submit the claim was very easy.
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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.
1
out of 5
POSTED: | BY: Shirley Cross
Worse experience ever
In 2019 my dog had fat mass on his chest. In September of this year he had a bump removed inside anal. Embrace said it was related and refused to pay. My Vet had to write letter to dispute what they said before they paid. It was 2 months after surgery before I was reimbursed. They question every invoice and you always have to have your Vet explain the reason for the invoice which is time consuming. They are very slow in paying because every invoice is scrutinize. I stop using any pet insurance from the experience I went through. When I submitted first invoice I was told that his chest mass needed to be tested. When I did that and resubmitted invoice that is when they appealed it and I had to get Vet say it wasn't the same. It took me 3 weeks to get testing done and at that time I was told I had to get a letter from Vet saying it was not the same. The invoice was over $1,000. So be aware that you will not get your money right away. They will question every invoice you send in.
5
out of 5
POSTED: | BY: BARBARA Haley
Highly recommend
Embrace has been wonderful to work with, quick turn around on claims and very thorough with all explanations. Also constantly updating status of claims with very friendly emails.
I would highly recommend Embrace insurance if you are a pet owner.
5
out of 5
POSTED: | BY: Ron Filardi
Easy Peasy Claim Filing System
I have never in my life used an easier system to submit a claim. This is very important because it builds my confidence in my claim being handled as intended, and it makes you all seem trustworthy and competent overall.
5
out of 5
POSTED: | BY: Gina Doyle
Embrace is a life saver
Embrace is a life saver. My girl has some special needs and without Embrace I wouldn't be able to afford to give them to her.
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.