5
out of 5
POSTED: | BY: Francesca
Excellent customer service in…
Excellent customer service in correspondence and turn around time!
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4.9
out of 5
Number of reviews 19,744
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: Barbara Stiger
NOT IMPRESSED
I have had Embrace Pet Insurance for about a year and a half. The first few claims went quickly. They were routine vet visits. Then comes December of this year and I need to cover the TPLO surgery. I send them the office visit claim, as well as the heads up for the surgery. Now they need more information, they don’t have the 1 year prior history….even though they had received that upon signing up for insurance. This claim as well as the actual surgery claim is still on hold for more health records. I made sure to call them because they were not specific about which Vet was not complying with their request. So, I went to that office and made sure the records were sent immediately, with me cc’d. They did comply. Now I am still waiting, no updates, just waiting. There updates are not something valuable, because it’s just an automatic email response . Not happy so far.
5
out of 5
POSTED: | BY: Consumer
Customer service is quick and helpful
Customer service is quick and helpful! We tried going through Costco or Sam's Club to lower rates, but since we are prior/current customers our rates would have gone way up. Each time we get a pet, we get them covered w/ Embrace.
5
out of 5
POSTED: | BY: Cindy Rahal
Embrace is the best!
I love having Embrace pet insurance for my cat Gracie. Every claim I've ever made was either paid the same day or the following day. I would recommend them to anyone that has a pet. It's one of the best decisions I've ever made. They are the best!
1
out of 5
POSTED: | BY: Rhea Brown
They will deny your claims!
I had an accident only policy. Submitted a claim for a leg injury, diagnosed by my vet as a soft tissue injury. Embrace denied the claim, claiming it was an illness and therefore excluded. My vet added more documentation for an appeal, but that was also denied- except I never received notification that it was denied. This was my first claim after years of paying policy premiums. Very disappointed.
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.