5
out of 5
POSTED: | BY: Connie
Easy
Easy and simple to submit claims.
4.9
out of 5
Number of reviews 20,342
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.
3
out of 5
POSTED: | BY: Rebecca Renee
Super confusing EOB/emails BUT they paid claims
It's easy to submit claims, process seems straightforward. I did waste about 30 minutes having to redo their paperwork- the email confirming that my check was on the way said X amount, the EOB said Y amount, the summary that accompanied the EOB said Z amount. And the check was none of the above. The check was the correct amount as per my own calculations. Totally bizarre. I'm still happy with them but I might die of a heart attack next time.
5
out of 5
POSTED: | BY: Manuel Renteria
Did not follow up with what was needed to complete my claim
This was around my second claim to embrace (wellness) claim. So when i sent in a claim that was wellness and nothing more then a teeth cleaning. Embrace went out there way to list claim as medical because of the stage one periodontal cleaning that was listed and they say its covered even though they have to check pre history to cover and to me what i see is there is a possibility of them declining the claim instead of just accepting the wellness claim in a timly maner, they take close to a month to finley accept the claim and i had to call them 4 to 5 times to get stuff in order because there was no one ever keeping me in the loop. I understand there doing job from checking history... But no one called me to get the ball rolling. Not happy embrace your better then this....(I hope) only time will tell.
5
out of 5
POSTED: | BY: Allen Gabrielsen
best pet insurance
I have been paying them for years, when I needed them they were right there, no questions asked. claims were handled within days.
5
out of 5
POSTED: | BY: Leslie Chu
Excellent service; quick response time.
Claim was handled in a quick and efficient manner. Representatives have always been courteous and helpful when I’ve had to call Embrace.
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.