5
out of 5
POSTED: | BY: Anthony Hale
Great experience with Embrace.
Great experience with Embrace.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,006
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.
1
out of 5
POSTED: | BY: Matthew Ordazzo
Keep looking elsewhere for insurance
There’s no reason why a claim should take over 6 months to process. There’s no reason why there should’ve been zero movement on a claim for over a 6 month period where reps of embrace just abandon the claim and leave clients high and dry. There’s no reason why I as the paying customer should be doing the representatives jobs and contacting all of these clinics myself to gather medical records that they’re suppose to retrieve. My claim sat for over 6 months because my rep didn’t want to pick up the phone and contact the clinic my dogs rescue brought him to before we adopted him. It took me 3 minutes on the phone to gather the information that they couldn’t gather between the time of June to January. My wife and I will be exploring new pet insurance from a different company.
4
out of 5
POSTED: | BY: William A
I recently submitted a claim for my 12…
I recently submitted a claim for my 12 year old dog who experienced seizures. Although the reimbursement took some time to review, we were reimbursed within the prescripted time period. Everyone I spoke with was courteous, professional and caring, which goes a long way with me.
1
out of 5
POSTED: | BY: KNYC
WORST INSURANCE COMPANY EVER
Just the worst ever. Charge a fortune, avoid paying anything. This insurer ought to be excluded from writing policies in most states due to unethical practices, excessive premiums, horrid customer service. Expect to pay a fortune, be treated like a criminal and never be reimbursed for anything.
Go anywhere else for coverage for your beloved pet.
Embrace will just rob you blind and leave you in the lurch.
4
out of 5
POSTED: | BY: Marilyn
Uploading form
It was easy to follow the prompts and was also quick The only difficult part was uploading the form for payment,
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.