5
out of 5
POSTED: | BY: Vera Confer
Very easy to submit a claim.
Very easy to submit a claim.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,325
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: kathy
I did it all online
I did it all online and was able to review all aspects and it was very easy.
5
out of 5
POSTED: | BY: Dot Acosta
Ease of submitting a claim & fast turnaround
The website makes it easy to submit a claim. The turnaround is quick and explanations are clear. They send clear email to keep me informed of the progress of my claim. They are fair in their coverage.
5
out of 5
POSTED: | BY: Madeline R
Michaela
Michaela, who did the medical history report for my dog, was absolutely stellar. She was extremely knowledgeable, professional, and above all kind. She listened to all my questions and provided the best advice and support to helping my dog. I am so thankful for her patience and ability to go above and beyond.
1
out of 5
POSTED: | BY: Mary M
Wasted time
Representative was courteous. I submitted a claim twice because it was not legible. The claims were sent EXACTLY AS Embrace requested. After I was placed on hold for an extended time, the claim suddenly became CLEAR. Another issue I have is when Embrace factors in discounts I receive for other non- reimbursable items I purchase.
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.