5
out of 5
POSTED: | BY: Cicely
Easy to use and efficient!
Easy to use. Quick reimbursements.
Read more on Trustpilot
4.9
out of 5
Number of reviews 18,785
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.
Reviews
5
out of 5
POSTED: | BY: manypawsvt Team
Embrace is WORTH it!
I may pay a little more in ins for my dog and my cat, but Embrace has covered everything I submitted in claims when our dog was diagnosed with Giardiasis recently. I highly recommend getting a wellness plan. It paid for his Heartworm and parasite preventative and his flea and tick repellant. It really is worth every penny you spend for your 4-legged family.
5
out of 5
5
out of 5
POSTED: | BY: MRS DEBBY ICIDE
All in all very good
All in all, Embrace Pet Insurance is easy to deal with, processes claims quickly, and deposits directly to your bank in a timely manner. (after the 1st claim)
2
out of 5
POSTED: | BY: E Vinyard
Is Rejection of initial claim submission normal?
It seems the "Playbook" instructs claim processors to reject for any reason. i.e., I sent only the part of an invoice that was for my dog. They didn't need the cat's records. Then I sent the entire document. A week later, my dog is still suffering from UTI and I submitted the ENTIRE invoice for the recheck and urinalysis. I got an email asking for the complete invoice so I sent it again. I get online and the status is pending more information so I submitted it again.
Policy
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.
Company
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.