1
out of 5
POSTED: | BY: Mary Tyl
heard NOTHING about my claim
heard NOTHING about my claim. still waiting, and you want feedback!!!!
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,339
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.
1
out of 5
POSTED: | BY: David and Carrie Smith
If I could give you a zero I would
If I could give you a zero I would. We have PET ER paperwork showing our puppy contracted pneumonia during an accidental kennel experience where he inhaled water. One lung was completely full of fluid and it was a near death experience. They ruled it as a preexisting condition which is ridiculous! We pay for the 90% reimbursement plan and this was an ER visit with several days in the hospital. This was very expensive for us but we pay for the higher reimbursement to help for incidents like this. We’ve tried fighting the claim and have been denied multiple times. What a waste of money.
5
out of 5
POSTED: | BY: Ingrid Aikman
"Efficient and thorough"
The claim processing time was fast and efficient.
5
out of 5
POSTED: | BY: Veronica
The claims process was super easy
The claims process was super easy. Customer service was responsive and kept me in the poop of progress, it was easy to follow the stages of the claims directly in my account. I am grateful I choose Embrace Pet Insurance for my pup.
1
out of 5
POSTED: | BY: Paige
Despite my vet writing multiple…
Despite my vet writing multiple explanations as to why my pets illness is not the result of a preexisting condition, they won’t listen and the medical bills and time have dragged out. I am extremely disappointed in the criteria and disregard for literature surrounding the coverage decisions.
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.