5
out of 5
POSTED: | BY: Jane
Excellent customer service and knowledgeable
Everything was explained clearly and they made sure I have the right insurance for my puppy.
4.9
out of 5
Number of reviews 20,006
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: Jon
Terrible experience - Embrace goes to great lengths to delay and not pay claims
I have had Embrace insurance on three of my dogs for about a year and never had to make a claim. My dog scratched her eye while she was scratching her ear, and needed to go to the Vet. They did an eye stain, determined the scratch was minor, and prescribed some medicine to put on the eye for a week. In total the initial vet visit and follow-up was about $250. I filed a claim with Embrace and provided the required paperwork and invoice. My annual deductible is $200, so I figured a couple days to process it and I would get a check for $50 to cover the claim. Well it's been over a month now. Embrace provides ZERO communication on claims status. When I would call to check the claim, they state they need additional health history information from the Vet. Then nothing happens for another week until you call again. And then they say they need some other health history documentation from the vet. No one can explain how a simple minor scratched eye injury requires such extensive health history documentation, or what the documentation is needed for. It's not like a dog scratching itself is a pre-existing condition. In my opinion, Embrace is a SCAM. I would encourage you to skip the fake glowing reviews, and read the reviews from real people on here that have had to file a claim with Embrace.
5
out of 5
POSTED: | BY: Stevie
Me.
Excellent customer service!
5
out of 5
POSTED: | BY: Lauren
Great experience, highly recommend
I've had nothing but great experiences working with Embrace. I love their app and how easy it is to submit a claim and track it. Claims are reviewed and refunded within a few days. I've only 2 coverage disputes in the 4 years I've had embrace, and both times the source of the dispute was understable from Embrace's side. One required a phone call to resolve but I was able to get someone on the phone quickly and easily, they were super great to speak with, and the matter was quickly resolved. The other dispute was able to be resolved by a couple messages on the app, and again the person I messaged with was super kind and quick to respond, and the dispute was quickly resolved. All other claims (unfortunately there have been quite a few with my older pup!) we're processed and paid out seamlessly. Highly recommend embrace and will definitely insure all future pets from day 1 with Embrace!
5
out of 5
POSTED: | BY: Antje
Great insurance and very helpful service
Embrace has covered all of Simon’s needs for several years now. As he gets older it’s nice to know they have our back and genuinely care.
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.