5
out of 5
POSTED: | BY: Martin
Phoebe
Just the quick response and streamlining the claim info. It was straightforward.
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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.
4
out of 5
POSTED: | BY: Chantel
Good service
Pretty good customer service, care, and reimbursement. Submitting a claim is pretty easy, although the app is kinda trash, it always logs me off, so I'll have to find my password, so I just always log on with the Internet browser. Turnaround is fast, and contacting the team is also easy! Thank you for helping me take care of my bebes
4
out of 5
POSTED: | BY: Pamela Ethington
They covered everything we thought they…
They covered everything we thought they would. The only negative was that the site kept saying they were waiting for more information from our vet. When we finally called, we found out that they were waiting for their person to view our dog’s records because it was our first claim. Hopefully in the future it won’t take so long to be reimbursed.
5
out of 5
5
out of 5
POSTED: | BY: Andrew Mcafee
There when I needed them
I've had Embrace Pet Insurance for years, but never made any claims. I just figured it was nice to have if anything were to happen. Unfortunately, something did happen. Very unexpectedly, and very suddenly, my dog got sick and had to be euthanized. I was able to file the claim quickly and 100% online and within a few days Embrace covered ~2/3rds of the total cost from her emergency visit. I was confused about the differences in coverage, apparently my pets don't have wellness coverage, and I'm not entirely certain what that is. It would've been a better all around experience if I Embrace had taken the time to educate me on that offering, but they still met my expectations once my dog's time had come.
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.