5
out of 5
POSTED: | BY: JOANNE LARSEN
Submitting a claim is easy
Submitting a claim is easy - and the response is quick.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,332
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.
3
out of 5
POSTED: | BY: Diane Myer
My dog was excluded for any future cancer
I was asked repeatedly to submit my pets records. I submitted them than was asked to do it again. This happened three times to the point I was extremely annoyed. The process was suppose to take approx 30 days. I was told the 30 days starts from the date they receive the last record from the vet. After two months I received a policy that excluded my dog from any kind of cancer because she had a benign cyst removed. The premium amount was over $100 a month which was outrageous for excluding cancer. I went to Nationwide Pet insurance. They also excluded her but for a cyst if it showed up in the same spot. They did not exclude her from any future cancer. In fact, I was told to call back in six months and they will review her records and if she had no issues they will remove that exclusion. My dog has unlimited coverage that now covers everything with Nationwide. Embrace took way too long to review her records and excluded her for any future cancer. That was a very big deal to me since my dog is only 1 year old.
5
out of 5
POSTED: | BY: Jacqueline Schwartz
Best response time ever for a claim…
Best response time ever for the claim for my dogs vet visit! And it was resolved over the weekend! Very pleased with this company!
5
out of 5
POSTED: | BY: Laz
Embrace made it affordable.
I have had animals all of my life. Never took out Insurance on them. With Chloe I did. Thanks to my daughter that recommended Embrace and is a member. So glad I did, she had major surgery. Embrace made made it easy and more affordable. Customer service is excellent. Within a week and half Embrace deposit my money in my account. Will always have Embrace in my life. Thank you so much.
5
out of 5
POSTED: | BY: David Federle
Redemption !! Embrace Rocks !!
Redemption !!
After a long and arduous appeal process regarding coverage for my dear Stella Blue, Embrace came through in the clutch.
I highly recommend Embrace Pet Insurance for all your pets' needs...they were considerate when it came to my providing them with all necessary documentation and back up information for our claim.
Stella Blue suffered an unexpected and traumatic injury, and we will receive the reimbursement for most of the charges...just in time for the holidays !!
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.