5
out of 5
POSTED: | BY: customer
Submitting claims
Submitting claims was easier than anticipated it to be.
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4.9
out of 5
Number of reviews 19,739
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: Joseph Rutherford
I had several questions Questionsand the…
I had several questions and the associate was very helpful. He knew the answers and was easy to understand.
Only complaint was being on hold for 20 minutes.
1
out of 5
POSTED: | BY: William
Underwriting is very unfair
Underwriting is very unfair. Would give a “0” if it was offered.
1
out of 5
POSTED: | BY: customer
They don't pay for any claims
They don't pay for any claims! Beware! I put in one claim they asked for more medical records,,AND SENT IN MORE RECORDS from the new VET and then they refused payment stating I needed previous medical records from previously!! How can i get previous records when she was a Rescue cat?? They Never said that when i signed up with them. They just don't want to pay any claims! I had their better ins where they suppose to pay 90% of the visit. They Paid Nothing!! and I had to pay over $850 out of pocket!! STAY FAR AWAY...NO GOOD!
5
out of 5
POSTED: | BY: Kristen Jensen
Ease of claim submission
Ease of claim submission. Quick review and response.
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.