5
out of 5
POSTED: | BY: LJ
Quick response
Quick response. Easy to submit claim. Clear explanation if necessary.
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: Margaret Bean
Very easy system to use and navigate
Very easy system to use and navigate. Dealing with a sick pet is stressful enough so it was nice that this wasn't so complicated. Thank you.
1
out of 5
POSTED: | BY: Christopher Massari
This company is a scam
This company is a scam. I’ve had my puppy for 5 months. I took her to the vet once because I thought maybe she had a UTI because she was peeing a lot. They ran a bunch of tests and couldn’t even confirm she had a UTI but gave her an antibiotic. The doctor said she had a recessed vulva but most of the time puppies grow out of it.
A couple months later she got a little stomach bug and had some diarrhea. They gave her an antibiotic and probiotic to help her belly. I don’t think either of these issues are uncommon for puppies. A couple weeks later I get an email from embrace saying they are deeming her with a recessed vulva as a preexisting condition and they are excluding any and all treatment of her entire vaginal area as a permanent exclusion to reimbursement. They also, get this, are making VOMITING a preexisting condition ALONG WITH ANY AND ALL CLINICALLY RELATED SYSTEMS a preexisting condition that they will make permanent if my puppy gets sick again within the NEXT YEAR. It’s a complete waste of money. Basically, anything that you take your puppy to the vet for will be deemed a preexisting condition during their grossly long waiting period. It’s just a way for them to collect your money and not have to pay out for anything. If you get this insurance, keep your dog in a bubble for the entire waiting period.
2
out of 5
POSTED: | BY: Martha
I am getting tired of repeat requests…
I am getting tired of repeat requests for invoices. This is so annoying when you are quick to collect your money for this policy.
5
out of 5
POSTED: | BY: DAWN & THEODORE
Easy process for submitting a claim
The process for filing a claim was user-friendly, simple and very easy to navigate.
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.