5
out of 5
POSTED: | BY: Linda Roggli
So easy to submit
So easy to submit - far simpler than in previous years
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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.
4
out of 5
POSTED: | BY: sanford hochman
Good service-no struggle to get paid!
Good service-no struggle to get paid!
2
out of 5
POSTED: | BY: Aurora D'Amato
Not what it used to be
Ridiculous nonsense about direct deposit. Insistence that I was giving the wrong account number when I checked and rechecked and I know it was correct.
The problem was not addressed via my online email. Had to call several times, trying to get things straight until, in frustration, I had to ask for my (partial) refund to be sent to my address - and this was a full 10 days after submission of the claim. It will probably be the weeks before I get my reimbursement, which is unacceptable.Had reimbursement several times to my current address before, but now they're reading off an old address from 8 years ago and telling me I never changed it.
Whatever is happening here - trying to hold onto money as long as possible to garner interest from it, prepping to deny claims because my cat is getting old, or incompetence - I certainly wish this company would go back to it's better days.
1
out of 5
POSTED: | BY: Hugo Chacon
Do not! I repeat, do not look here for pet insurance.
Do not choose this insurance company for your pet. They are misleading. When it comes time to pay out a claim, they come up with lame excuses just so they don't have to pay. Awful experience. Save yourselves the headache of having to deal with this group of liars.
5
out of 5
POSTED: | BY: Peggy
This company was great to work with.
This company was great to work with. Eli-the rep took a great deal of time helping me decide on a policy for my 12 year old dog He was knowledgeable, patient and very nice.
I signed up for the policy, even though I suspected my dog would probably only live a couple more years. But she was happy and I wanted to be able to afford unexpected expensive vet care if needed. Unfortunately, she died later that evening -after signing up for insurance. She had been fine that morning. Embrace kindly refunded my payment since she died unexpectedly. Not sure I will get another dog but if I do, I will certainly get insurance through Embrace. Customer service reps were all great!
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.