5
out of 5
POSTED: | BY: SherriM
Claim process is easy.
Claim process is easy.
Read more on Trustpilot
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.
5
out of 5
POSTED: | BY: Brenda LaBelle
Insurance coverage and claim processing
The Embrace Insurance Company has been amazing regarding coverage of our dog's visits and treatments. The process to file a claim could not be easier. The instructions to do so are very user friendly, very clear. Claim refunds (for lack of a better word) are very efficient and quick. It gives us great peace of mind knowing that Sofia's care is covered. It enables us to provide to her the best possible care to keep her healthy for what we hope will be a long, happy life!!!
This review is applicable to visit/treatment dates beginning 05/08/24 through 09/23/24
5
out of 5
POSTED: | BY: Sherry E
It was so easy to submit a claim
It was so easy to submit a claim. I had the refund within 3 days of submitting. Super awesome.
3
out of 5
POSTED: | BY: Jennifer Sleeper
Room for improvement
It is relatively easy to submit a claim, however it is difficult to submit more than 1 invoice. I needed to take my dog for a re-check the next day and there is no way to submit a second invoice for the same claim. Also, I was very disappointed that what seemed like a very clear diagnosis of poisoning, was initially denied by claims under my accidental policy. I had to quote policy definitions and submit additional doctor notes in order to have my claim paid. On the positive side, the reimbursement of funds was very quick once the claim was covered.
1
out of 5
POSTED: | BY: Jacqueline Doretti
WORST PET INSURANCE EVER!!!
WORST PET INSURANCE EVER!!!
I enrolled my young dogs and my oldest on this pet insurance. None of the dogs had any pre-existing conditions except one could not eat chicken dog food. They were on the plan for over 3 years. The only thing this company would cover is the wellness it is useless for anything else. Thanks to this company when we enrolled into a different one for pet insurance my youngest dog has a pre-existing condition now, she was enrolled when she was 2 months old and had nothing. So from now on her allergies will not be covered because of embrace. They put you through hoops and will cover nothing. I have one of the best vets there is in our County and they tell everyone to stay away from this company. The most Shady unreliable company for pet insurance.
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.