5
out of 5
POSTED: | BY: James Sizer
Quick response and pay out
Quick response and pay out. Great service!
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4.9
out of 5
Number of reviews 19,934
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.
4
out of 5
POSTED: | BY: customer
Was submitting a claim on line was easy and quick.
Was submitting a claim on line and had a question on category for Darling's visit so called to have it clarified. Nick was very friendly and informative and straitened out the issue.
2
out of 5
POSTED: | BY: Debra
Getting the run around.
Most of my claims are slow to be reviewed. It appears to me anytime I have a claim that is more than $100.00 they have to review my pets records. They request records from my vet. A week later I will receive another email telling me that my vet has not sent the needed records. I have been in contact with my vet. They reassure me that the day they receive they sent the records. I feel that Embrace gives me the run around hoping that I will give up on asking for a reimbursement. I do not recommend this insurance. I gave 2 stars because the small claims have been settled in a reasonable time frame.
5
out of 5
POSTED: | BY: Ron Layton
Embrace is still the best pet insurance…
Embrace is still the best pet insurance available…we have 2 cats insured that require medical assistance. Embrace has very simplified digital processing procedures for claims and has always been extremely responsive in refunding expenses. We routinely get refunds into our banking account within only a few hours of claim submission. A USAA company…we get a 25% discount on our pet insurance premium as USAA members.
4
out of 5
POSTED: | BY: Dr. Robert Quinn
Your phone people are excellent
Your phone people are excellent. Claim form was easy to complete.
Annual price increase is untenable!
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.