5
out of 5
POSTED: | BY: Eric
Responsive
Embracers I speak to and email are helpful in getting Veterinary invoices to complete claims.
4.9
out of 5
Number of reviews 19,756
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: Erik
Short-changed with no explanation
You paid me for only a portion of my claim. You provided no explanation for why the rest of the claim was not paid. I resent the time I have to spend to find out why I was short-changed!
5
out of 5
POSTED: | BY: Elisha
Frankie thanks you for your prompt attention in the matter of his surgery
Having been my first claim ever in my 3+ years with Embrace I wasn't sure what to expect. My dog, Frankie, had an injury to his leg in the form of a torn ligament which required surgery. They processed my claim immediately and I had the check in my mailbox in less than 2 weeks. The process was straightforward and expedient as far as paperwork goes. I provided my invoices and all veterinarian information and they did the rest. I have already referred you to a co-worker. Thank you, Embrace. I look forward to doing business with you as long as I have dog babies.
5
out of 5
POSTED: | BY: Bailey
Claims
Ths claims process was quick and easy. It took me all of 10min to complete. I'm very happy with the service. The only suggestion I have would be to do an online claims form that you didn't need to print out.
5
out of 5
POSTED: | BY: Judi
Claim was quick, easy, and efficient
I have had my dog for 4 years and this was the first time I needed to file a claim. I was pleasantly surprised at how efficient the entire process was. The vet office sent in my claim and I received an email from Embrace when they received the claim and also when the claim was approved with all of the information. I received the check reimbursement within a week. I could not have been more satisfied and I have shared that with several of my dog owner friends.
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.