5
out of 5
POSTED: | BY: Amanda Richards
Straight forward and Easy Process
The process was very straight forward and easy.
Read more on Trustpilot
4.9
out of 5
Number of reviews 16,757
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: JIM H
FAST SERVICE
Answered the phone fast and solved issue fast pleas.ant
5
out of 5
POSTED: | BY: Jennifer Snyder
Prompt claim refund.
Excellent customer service and prompt claim completion. Turned in my invoice and received my claim refund deposited directly into the bank account of my choosing. All around great experience.
1
out of 5
POSTED: | BY: Parker
Obnoxious breadth in defining "pre-existing" conditions
Figured they would be worth giving a shot. Premiums weren't too bad for the coverage, but the breadth of health issues not covered due to pre-existing conditions is almost criminal.
My dog had a case of dermatitis. Therefore, they saw it appropriate to deny any and all coverage - until there had been a full year without any and all skin issues - for any and all ailments associated or related to the skin. It's literally the equivalent of your insurance denying you a biopsy on a suspect mole because you have dandruff.
My cat was noted to have a heart murmur on the last vet visit that was suspected to be a result of untreated hyperthyroidism. As a result, they denied any and all future coverage of any and all cardiovascular related health issues. Keep in mind (despite what the apparently uninformed representative thought), non-congenital heart murmurs can be treated if caused by underlying issues such as anemia or hyperthyroidism. Despite this, even if the murmur went away with treatment for hyperthyroidism, I was told "it doesn't matter because heart murmurs are chronic conditions" which again is absolutely false depending on the context.
This was only 2 months in and I hadn't even tried to submit a claim yet. Just cut my losses and moved on.
4
out of 5
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.