4
out of 5
POSTED: | BY: Ms Jessica Geddes
Satisfied with Embrace…
We received our insurance refund in 8.days.. We are satisfied we have chosen Embrace.
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4.9
out of 5
Number of reviews 20,007
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.
4
out of 5
POSTED: | BY: Sarah E.
Note your dog's weight at policy setup!!
MAKE SURE THEY HAVE YOUR DOG'S EXACT WEIGHT WHEN YOU SET UP YOUR POLICY. Here's the deal: I'm mostly very pleased with my Embrace insurance policy. They have covered everything I've needed them to and I am grateful to have this policy so I can spring for higher quality healthcare for my dog. However, I found out recently that for the past two years that I've been overcharged (by about 2x) because I noted at the start of the policy that my dog is a "mixed breed" (which he is!). I did not see that on the scroll-down menu, they also list "mixed breed" at various weights, and if you don't select one of those options, they'll just charge you as if your dog is medium-sized. MY DOG IS 12 LBS. I called and got this fixed, and while they're going to re-adjust my policy for the following years, I do not get any sort of rebate or even an apology for the fact that they've been essentially fleecing me. As a first-time dog owner, I had no idea that the entire price of the policy hinged on me selecting the right thing from that drop-down menu (because his exact weight is on his medical records, which Embrace has!!). DO NOT make the same mistake I did! Make sure Embrace has the correct weight for your dog and call to confirm if necessary.
Embrace, I do not know WHY you would allow people to setup a policy without inputing an exact weight, if weight is a primary tool for you in calculating the premium. I recommend changing this to avoid folks feeling confused or ripped off.
1
out of 5
POSTED: | BY: Taylor R.
I have been severely let down
I have been severely let down by Embrace.
My pet became ill suddenly to the point that she did not recover and had go subsequently be euthanized.
Subsequently and Embrace Insurance has refused to cover our claim due to a notation of us as the owner giving our pet a supplement to help with UTIs in her health record before we started coverage. Embrace has took it upon themselves to not take the advice of the veterinarian that it was for a prophylactic treatment for a proneness to UTI, And instead stated that it was a history of kidney failure/ kidney disease that we were claiming for.
So with the life-saving treatment that we attempted to do. To save our girl, we expected that our insurance would cover any treatments We had to perform as we had not had a diagnosis before, we started insurance with Embrace.
We are now attempting our second appeal, however even with multiple vet recommendations that she had UTIs and not kidney failure, which is what the supplements were for, there is a chance that Embrace will be more likely to deny the claim than to accept the word of two different veterinarians.
5
out of 5
5
out of 5
POSTED: | BY: Nancy Ayala
I was heartbroken when I recently had…
I was heartbroken when I recently had to put my dog down due to a tumor. Embrace Pet Insurance was sympathetic & reimbursed me my portion of the insurance money in a very timely manner. They were consistent over the years as well in providing great customer service.
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.