5
out of 5
POSTED: | BY: customerDD
Easy Claim Process
My dog’s claim was processed in a user friendly app. The claim was paid and check sent promptly.
Read more on Trustpilot
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: Carolyn
Very easy to file a claim, extremelyfast payout!
Wow! SO impressed! Our poor pup became horribly sick after a brief boarding experience. I submitted the claim and found it very easy. Just scanned in my receipts and posted them to the Embrace website. Because it was our first claim, they had to get all her medical records. They kept us informed the whole way, and the payout to my bank account was very quick. Dang! My dog has better health insurance than I do!!
5
out of 5
POSTED: | BY: Owen
Claim responded to very quickly
Claim responded to very quickly. Much appreciated during the passing of my cat.
5
out of 5
POSTED: | BY: Stephanie
This is my first experience with pet…
This is my first experience with pet insurance. I did some light research and settled on Embrace. I submitted my first claim feeling really good, it was denied. I was super annoyed and harsh in an online review forum about it. After multiple back and forth with my adjuster, who had some great suggestions, I was able to get a partial refund of just under $1000.00..so, I was left feeling much better about that outcome and plan on finding that review and updating it.
3
out of 5
POSTED: | BY: Noel Voroba
Up until now we never had a claim
Up until now, we had Embrace insurance for our rescue cat. For three years, we had no claims and the cost per year was about $400. This year, the cost just about doubled, and we did have a claim with only two weeks left of our policy, as we decided not to renew. Our cat seemed to have issues walking up stairs, couldn't jump up on a chair, etc., so we had to take her to the vet. After x-rays, blood work and a shot, the bill came to $850.00. We submitted the claim and was only rewarded $102.00 for what we thought was a bit low for the standard treatment of one visit to the vet. Not ever having a claim for as long as we had the insurance, we thought we should have had a better settlement. It was, however, easy to submit a claim and the response was very quick.
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.