4
out of 5
POSTED: | BY: Patti Cooper
Customer service was very helpful on…
Customer service was very helpful on phone.
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4.9
out of 5
Number of reviews 16,709
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: Julie Meszaros
What a great company
What a great company! I have had this insurance for less than 5 years and I have never used it. I figured it would be a pain to go thru but it was so easy so simple so fast as well! I submitted my vet bill and within days I was reimbursed!
All I can say is thank you Embrace for your quick response to my claim!
I would recommend this pet insurance to anyone! Thank you Embrace!
5
out of 5
POSTED: | BY: Carmella Lucas
So impressed with Embrace I submitted…
So impressed with Embrace I submitted my receipt for my dogs vet appointment and within the hour I was reimbursed!! I am so pleased with their service and I have such peace of mind, knowing that they are there for me and my little Luca!!
5
out of 5
POSTED: | BY: Larry Welch
Great customer service
The customer service agents are always friendly, patient and knowledgeable. We've had insurance thru Embrace on our pup for 8 years. Submitting claim and reimbursement very efficient and easy. Had a few claims last year which were less than the total monthly premiums. Premiums went from about $100 to $195 this year so almost doubled. Based on aging pup and dental claim, it will probably match out. Not sure what will do next year if the premiums go way up again. Otherwise, very happy with Embrace.
2
out of 5
POSTED: | BY: JP
Guessing Game
Pros:
- it is easy and intuitive to submit claims
- employees are friendly and pet-focused
Cons:
- the 1st claim can take over four weeks to review and process
- the time it takes to process subsequent claims varies; sometimes reimbursements only take 48 hours, but you will likely wait the full three weeks on average
- lack of communication when claims are “in review”
- double check your initial intake paperwork for “pre-existing conditions”
I met my deductible, have a $50 healthy credit, and $1,000 of dental illness coverage. I submitted a claim on 10/21 and am still waiting. When my husband and I called to inquire about the wait, we were told, “Embrace didn’t ask for additional documentation. I don’t see why this shouldn’t be processed within our 10-15 business day window.” Not exactly helpful.
Please understand how frustrating it is to front thousands of dollars on top of monthly premiums, only to feel it’s going into the abyss when our babies are in need. I wish there was a better process in place for pet insurance across the board.
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.