5
out of 5
POSTED: | BY: Frank Drury
Submitting a claim and uploading an…
Submitting a claim and uploading an invoice was extremely easy.
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4.9
out of 5
Number of reviews 20,336
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: D
Easy and straight forward
I almost never write reviews but I felt I needed to share this one since I've had nothing but positive experiences with Embrace for both of our kitties. Signing up was easy and what I like the most is how easy it is to submit a claim. Not to mention how quickly the reimbursement is processed. I am very happy with our decision to get insurance for our boys because now we don't have to decide whether to get a costly procedure or not due to finances. Our boys' health will always come first and this service gives us peace of mind with no hassles as of yet. Truly a wise decision if you are taking your pets in for regular checkups, vaccines, surgeries, etc. The money adds up and this puts a little bit back into your pocket. Thank you for providing us with wonderful service and peace of mind.
5
out of 5
POSTED: | BY: James Weaver
Seamless experience
Was extremely satisfied with my experience with Embrace during my dog Titus surgery. Kept me informed throughout the claim process and answered any questions or concerns I had. Kudos Embrace!
5
out of 5
POSTED: | BY: Mayra Perez
This was the 1st time I filed a claim…
This was the 1st time I filed a claim and I'm very satisfied. Took almost 3 months because my vet had not submitted the information of the 12 months prior to insuring my pet in a timely basis but in the end I received the refund I was entitled to. Had occasion to speak with the staff and I'm pleased to say they were all courteous, informative and attentive.
2
out of 5
POSTED: | BY: Elizabeth Silva
Premium doubled
My labradoodle is 7 1/2 yrs old. And his premium doubled in price from last year to this year. Not very happy. Called Embrace and explained to them that this is a lot. They said because claims by everyone is being filed that we all take the hit. Not right. My other labradoodle uses another company. Premium is cheaper and her coverage is better than my dog on Embrace. There should be rules or laws about taking pet owners to the cleaners because others are filing claims. Why should I pay because of that. Won’t use them for any other pet because of this reason.
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.