5
out of 5
POSTED: | BY: Robert
Very responsive and explained my…
Very responsive and explained my request clearly. They acted quickly on my claim.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,997
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: Kevin Smith
After speaking to the claims adjuster
After speaking to the claims adjuster, he made it out that my claims would not be approved, this trying to stick me with the entire vet bill. As a result, I spoke to USAA and filed a complaint regarding the lack of care by your adjuster. You were minutes from having a lawsuit filed
1
out of 5
POSTED: | BY: Barbara Feldman
Despite the good service and payment in…
Despite the good service and payment without problem on one claim in the amount of $121.00 for the year, this company raised my rates by 30% to over $200/month - the highest of any other insurance. Even worse, when I went online and entered all the information using the same criteria as if I had a new dog to enroll, the quoted price was $136/month, $60 l less per month than they quoted me for my existing policy. That is $720 per year. I find their claim that this is based on "actuarial statistics" ludicrous since Trupanion, who covers my other dog with chronic liver disease and hypothyroidism, and who had extensive monthly labwork, a liver biopsy, and takes multiple medications, did not raise me once cent and is charging only $114/month for an intact female that is only a year younger and in the same location - also based on actuarial statistics. In fact, I am the only person to own this breed in my entire area and have not changed my vet, so I AM the actuarial statistic they rely upon. I find this completely unacceptable and am going elsewhere.
3
out of 5
POSTED: | BY: Hal Angel
simple
The process of filing a claim was simple. It is the lack of reimbursement that is frustrating. Why is it considered a wellness visit when my cat was brought in for a recheck of multiple issues?
4
out of 5
POSTED: | BY: T Ald
Responsive
Responsive, professional and timely delivery of communication! Reliable and trustworthy products and services! Only disappointed in claim amount for Beau’s injury. Appreciate your service to our pets!
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.