5
out of 5
POSTED: | BY: Joe Cathey
Ease of processing claim.
Ease of processing claim.
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4.9
out of 5
Number of reviews 20,318
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: Dennis Kaan
Amazingly Fast
I’d rate them 6 stars if that was an option. Amazingly fast claims review and reimbursement! VERY happy with coverage and service.
2
out of 5
POSTED: | BY: Camille Pierson
Hard to get claims covered
It's a huge ordeal to get anything covered. They often misassess claims and deny things that should be covered under my policy, requiring me to fight for coverage, which is a slow and often unsuccessful process. I would have saved more money just paying for my dog's medical expenses outright, rather than paying for this insurance, which hardly covers anything
1
out of 5
POSTED: | BY: Ann
Pre-existing condition nonsense
My puppy has not had any issues except coccidia but Embrace's VT read in her health history that her ears were a little red but there was no infection. So now she is asserting that an ear infection that occurs within one year of pink ears would be considered a pre-existing condition. This is wrong! It is just an excuse to not cover ear infections in the future when there has not been an infection at all. I will have my vet address this incorrect analysis. But the point is that I should not have to go through this from someone that has never even seen my puppy.
5
out of 5
POSTED: | BY: Rogelia Sorto de Campos
Outstanding Service.
Embrace always process the claims on a timely manner.
Customer Service is very compassionate.
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.