5
out of 5
POSTED: | BY: Suzanna
Claim is easy to understand
Claim is easy to understand, fill out and submit.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,749
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: Bob and Becky Bazemore
Very easy claims process
Very easy claims process
5
out of 5
POSTED: | BY: Tom Alkazin
Claims process
Easy to file..... simple to submit!
4
out of 5
POSTED: | BY: Bill
Submitting claim is easy
It is easy to submit claims but questions arise as to what is covered and what is considered preexisting conditions. I am glad I have the insurance but with what I pay in premiums, I wish the coverage for accident/illness would cover more.
3
out of 5
POSTED: | BY: Maria Vidakis
I switched to Embrace after having Pets…
I switched to Embrace after having Pets Best Insurance and frankly, I regret it. Customer service was much better with Pets Best. I could actually get someone on the phone. With Embrace, it seems that every time I have called the wait is so long that I give up.
My first submitted claim took about a month in review.
The second claim for $24 for my pet's hyperthyroidism meds was denied in it entirety with no explanation . The EOB just said "not covered" but provided no reason. I looked at my policy and RX meds are to be covered.
Overall, I am not very pleased with the company and I regret leaving Pets Best.
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.