5
out of 5
POSTED: | BY: Ann Hannon Wells
Very easy to submit claims
Very easy to submit claims
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4.9
out of 5
Number of reviews 19,923
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: Lourdes Winkler
They’re accurate and efficient and…
They’re accurate and efficient and processing turn around is good
5
out of 5
POSTED: | BY: Klaus Tum
Claim submittal is so easy
Claim submittal is so easy and Customer Service (in this case Brittany) is so friendly and helpful! Highly recommended pet insurance!
5
out of 5
4
out of 5
POSTED: | BY: deanna webster
Claims process for multiple pet policies is not very clear
Embrace generally seems to cover expected costs of wellness visits with the wellness "club" upgrade. I do find the claim process unclear and often a bit glitchy- the "diagnosis" button in particular often does not appear and you have to go back and forth through the screens in the claim uploading process to get it to reveal itself, which is annoying. I also am not clear if I can submit one claim for my two cats, who are always on the same invoice as I take them together for their annual wellness visits. Until this is clarified, I submit two separate claims, which is what the site seems to suggest is the fastest way to process. Wish that was clearer.
Insurance is onerous to me in general- the vets used to process, now it's on the owners. Just grateful for future me that I can afford it with young cats so we can afford, with insurance help, anything that comes up as they age.
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.