5
out of 5
POSTED: | BY: Jenny K.
It's self-explanatory
It's self-explanatory, easy, and fast!
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4.9
out of 5
Number of reviews 20,000
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: Cindy Rahal
Great experience
I've had two claims so far. One was submitted through the wellness side, and one was through the illness side. I literally had my reimbursement on both claims the next day after submitting them. The claims process couldn't be easier through the app. They've been so great. I couldn't be happier.
5
out of 5
POSTED: | BY: Haley Thomas
Embrace has been great to us
Embrace has been great to us. Easy to purchase, straightforward and simple claims filing process, and quick reimbursements. When we initially purchased the policy, we asked for a medical review of our pets’ records so we knew in advance what would be considered a pre-existing condition, and whether any of those pre-existing conditions had expiration dates. This saved us any question or disappointment regarding what would and would not be covered. Embrace has not disappointed. They have processed our claims fairly and promptly every time.
1
out of 5
POSTED: | BY: Franklin Davila
I’d love to give them a zero star
I’d love to give them a zero star. Already canceled my pet insurance with them. They will take any little note on your dogs history and turn it into a “pre exciting” condition so they don’t pay for anything. They have linked any little thing that they could to a note that one vet said 5 years ago and now no matter what happens to the dog they will link it to that and not pay for anything so really all they are doing is getting paid each month but not helping you when you need to claim something. So far I’ve seen three vets and non have said anything good about this company.
Terrible experience please go somewhere else. Ask you vet for who they recommend and I bet you they will NEVER say embrace
4
out of 5
POSTED: | BY: LORI FEISTNER
Embrace Reimbursement program
I like this provider because: IN MY EXPERIENCE Most of the time the program or app is easy to use and understand.
SERVICE DRAW BACKS or PROBLEMS: Reimbursements are sometimes slow from this provider.
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.