5
out of 5
POSTED: | BY: jenny.m75407
Submitting a claim is very easy!
Submitting a claim is very 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: Karissa Fox
Love them
We have had this insurance for over 3 years and it has proven invaluable. Our dog has eaten grapes, experienced liver issues, and generally needed annual care and Embrace makes filing your claim very easy and they have paid the claims within a few days (2-3).
5
out of 5
POSTED: | BY: customer
Excellent insurance
Excellent insurance. Claims are easy to submit and quick response. Representatives are super patient and wonderful to deal with.
1
out of 5
POSTED: | BY: customer
I would not recommend Embrace
I would not recommend Embrace. My experience with them has been extremely frustrating and very disappointing. When asked to speak to a supervisor, my experience with their management team has been extremely disappointing. Their repeated standard response did nothing to resolve my concerns. I would not recommend Embrace. I am still trying to get a wellness claim filled a month ago. Their explanation for the delay concerns a prescription for car sickness for a puppy. Do yourself a favor find another pet insurance company.
5
out of 5
POSTED: | BY: Lisa Mann
Simple and fast claims; knowledgeable employees.
I like Embrace insurance because the claim submission process is very simple and fast. Embrace processes claims within 24 -48 hours. There is no time limit on when I can submit claims, so I can submit at my own convenience. Reimbursements are also speedy quick. The customer service agents are knowledgeable and friendly. After my elderly cat died, Embrace sent me both a condolence email and a cool card with flower seeds that you can plant so your pet "lives on."
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.