5
out of 5
POSTED: | BY: Lydia Berkebile
Claims are quickly processed and easy…
Claims are quickly processed and easy to submit!
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: AF Yinzer
Easy Claim Submission
Claims are easy to submit online. Process is easily understood.
2
out of 5
POSTED: | BY: Unhappy customer
Unable to locate additional diagnosis.
Unable to locate additional diagnosis.
5
out of 5
POSTED: | BY: Connor
One of the best insurance companies…
One of the best insurance companies I've ever experienced.
1
out of 5
POSTED: | BY: Dedra
Cancelled Policy
I cancelled my policy with embrace because they were not reimbursing me once claims were approved. I paid upfront costs for services at my pet's vet and once Embrace approved the claims they just stated that it went towards my deductible. I'm confused because wouldn't that mean I would be reimbursed for the amount I spent for my pets visits and Embrace would reimburse me. Until I called in to find out what was going on and I was told I would first have to reach my deductible amount and anything beyond that could be reimbursed. Upon purchasing that wasn't explained to me. That's ok now that it has been but I would have liked to make a more informed decision had I known that upfront. Then many of my claims that weren't approved but was instead denied just seemed like a way to get out of covering the services. Just be sure that you are paying attention and asking all the correct questions to understand your plan for your pet needs prior to committing to a plan.
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.