5
out of 5
POSTED: | BY: Khalid
They process claims quickly and…
They process claims quickly and effectively.
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4.9
out of 5
Number of reviews 16,784
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.
1
out of 5
POSTED: | BY: Rachel Waltuch
If I could rate them at a zero
If I could rate them at a zero, I would. Absolutely abysmal. Waste of money and time. They will find any way possible to not pay out claims. Save your money and pay out of pocket. I could not possibly be more dissatisfied.
1
out of 5
POSTED: | BY: Silvia Herrera
Adjusters need customer service training
The adjusters never respond to calls or emails. If you want to discuss your claim, that is too bad because they will never reply or call you. The customer service reps are great and helpful, but there is only so much they can do, and ask that I contact the adjuster. I have two claims since I purchased the insurance last year that I need to speak to an adjuster. I sent multiple messages and made several calls and not one of them returned my calls or messages. I'm now searching for another pet insurance, USAA should not back this company.
1
out of 5
POSTED: | BY: Margaret
submitting a claim produces error time…
submitting a claim produces error time and time again. Calling is of little to no help. Very frustrating, their website and app suck.
5
out of 5
POSTED: | BY: Adrienne
Cue tail-wagging!
My family has had mini schnauzers for years. My childhood mini, Lucy, unfortunately had chronic pancreatitis and had thousands of dollars in vet bills. I vowed to never let finances get in the way of care for my beloved pets. Fast forward several years: I got my first two minis as an adult and quickly began researching insurance companies. Embrace seemed the most authentic, practical, and fiscally responsible company- plus, they had the option for wellness! Several years went by without incident, until my younger mini, Poppy, suffered an out-of-the-blue seizure, followed by two addional ones in the following weeks. Because of Embrace, I had no hesitation in getting her checked out by a neurologist at a specialty hospital, because I knew Embrace was there for me. Sure enough, the reimbursement process was hassle-free and quick! Fortunately, Poppy is doing well on her new medication, but I know that if something happens in the future, we are covered. Cue tail-wagging!
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.