5
out of 5
POSTED: | BY: Luke Hoffman
Handled quickly
Handled quickly
Read more on Trustpilot
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.
5
out of 5
POSTED: | BY: Ellen Lagerman
Easy to submit claims
The process is straightforward and allows space for additional comments/clarifications.
5
out of 5
POSTED: | BY: Sara Silot
Easy to use system to have claim…
Easy to use system to have claim submitted
1
out of 5
POSTED: | BY: Rick Hess
No one at Embrace Insurance Claims will take my calls
Claims adjuster JH provided horrible customer service. I have no active claims with Embrace but was going through an appeal on pre-med history review with claims adjuster JH. I challenged her on how she could take an opposing view than my vet with over 30 years' experience with only having a few years vet tech experience. She promptly ended the phone call and now Embrace will not take my phone calls. In my opinion and my advice to others is that if you have a claim or appeal request that it not be handled by JH.
2
out of 5
POSTED: | BY: Julianne Liberty
Wellness visits not reimbursed
Paid for the extra Wellness coverage, and the limit did not come close to covering my cat’s neuter. I thought I was buying the most complete policy, but instead they classified my cat’s pre-neuter visit as a wellness exam.
Even before this, they stopped issuing the point of sale credit card I had used to pay at the vet office, so that now the only option for credit for veterinary care at the clinic is Care Credit.
There has been a series of disappointments for me with this company, such as when they automatically renewed my policy and charged my debit card for $600 without my knowledge or any notification.
I was really counting on getting reimbursed for kitty’s procedure. I will definitely be exploring other options such as USAA or Costco after this latest disappointment.
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.