5
out of 5
POSTED: | BY: Denise Knettler
Ease of submitting claim
Ease of submitting claim, reasonable response time
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.
5
out of 5
POSTED: | BY: D
OUTSTANDING - 10+ stars if I could!
This insurance company actually has heart and a passion (clearly) for customer service. I can't say enough amazing things about them. They are efficient, SPEEDY payments on claims (usually same week!), thoughtful, caring, explain everything easily and the rates are great. They have literally saved my cats life, we have had to use the insurance quite a few times in the last couple of years, if it wasn't for them, there is no way I could have afforded to care for her. Now... she's 11 and in great shape! Happy, playful herself again for many years to come. THANK YOU EMBRACE for everything you, from start to finish, consistently for years!
1
out of 5
POSTED: | BY: cairo777
One of the most unethical business…
One of the most unethical business operations is this company. They do not honor their contract, come up with any excuses to deny significant claims, and operate criminally. They’ve denied all claims ! AVOID AT ALL COSTS. They invest heavily in marketing, but check out BBB complaints against them. Furthermore, they increase premiums up to 80% after one year. Such a fraudulent operation and behave criminally and violate contracts. They should be sued!!!!! Do your best and avoid the hype with their marketing and read their REAL reviews.
1
out of 5
POSTED: | BY: Clint Moore
My experience with Embrace Pet Insurance
Recently had our first claim with Embrace after 2 years of membership. They asked for history of vet visits which I dutifully provided, only to have them use that to deny every claim. Even though the Vet Neurology Specialist wrote a letter to Embrace stating the the reason for our claim had nothing to do with earlier visits. Additionally, they decided that because a skin tag I asked our vet to look at was too small at the time to biopsy, our dog will be denied possible future cancer care because it is a “pre-existing condition”. The skin tag has since dried up and fallen off, but makes no difference.
5
out of 5
POSTED: | BY: Michelle Acevedo
I have 3 dogs and 2 cats with Embrace
I have 3 dogs and 2 cats with Embrace. Doing multiple claims is a breeze.
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.