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.
I submitted a claim and I got emails saying they could not read the invoice I took a picture and sent it they said they could not read it . They contacted the clinic and clinic sent them the invoice again I got a second email saying they never got it .. I am very frustrated I sent the same invoice twice and so did the clinic .
I am really considering cancelling embrace .
Still waiting for their response ,
This Company has improved, greatly, from our experience with them, in the last year! It took us some time, to learn how they function, but, it was well worth the wait! Our last reimbursal went like clockwork, and was within definable benchmarks! In fact, this is the first time, the process went smoothly, without a modicum of effort! Certainly, Embrace, learns by its mistakes, as we all should, and, given the time, and patience, Embrace Pet Insurance, can be, your loved one's best friend, whether they wag their tail, or, melodiously purr!
I called regarding my claim because I received a notice that they approved it but were waiting for the official invoice. I sent the invoice the same day I sent the estimate but under separate cover. The person I talked to insured me the invoice had been received. That was Monday and this is Wednesday and the information on line is still the same. I hope it has been received. The person I talked to was very helpful and I think solved my problem since she assured me the claims department had my invoice and were working on the claim.
This company is happy to take your money but they make the claims process as difficult as possible. They kept delaying my claims because they kept asking me for records I already sent initially. They kept asking for the medical history for the first 12 months prior to my policy for my dogs. I sent them all of the records for the dogs from two different veterinarians early on. They told me that they had all the records they needed, but they continued to tell me they still need those records every time I tried to make a claim. They are very slow to communicate also. Terrible company overall. Go elsewhere for the care of your pets.
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.
