5
out of 5
POSTED: | BY: bill rouse
As always
As always, Embrace is the BEST Pet Insurance company - EVER.
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4.9
out of 5
Number of reviews 20,006
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: Val Bilotti
Will say anything and everything is a preexisting condition… and it is a problem for ever…
I got a letter indicating that my dog has preexisting conditions. He is a healthy 3 year old.. no issues. I am concerned, take him to the vet with the letter and vet say… he doesn’t have those issues.. so buyer beware…let me be more specific. I volunteered to have x-rays of my dogs hips and lower back when I got him neutered. The doctor didn't see any concern but the radiologist said...the "Might" the one word excluded any coverage of of hip joint issues...period....doesn't matter if it has nothing to do with a degenerative disease. So my understanding if he hurts himself or by a accident...those hips have no coverage... even thought there was nothing wrong with him and I did the x-ray as voluntary because AKC keeps data bases on purebreds. The word MIGHT on one hip is grounds for lifetime exclusion.
Second issue a vet, not his regular mad a comment about tarter...embrace said I have to get his teeth cleaned to have teeth covered...I show the vet and ...the VET SAID she WOULD NOT perform a cleaning because he does not have tartar he has stains on two teeth, I brush his teeth every day, clean his ears, brush his coat, Dremel his nails...I go over him every day... So I can't get his teethe clean, which as stated he does not need...but his coverage is excluded..so the insurance company diagnose and assigns treatment mandates with out verifying or conferring that those issues NEVER seeing it for them self's and I am not sure adjuster are veterinarians. Just be aware, any word like "Might", "maybe", "possibly"..etc. words like that, will cause exclusions in the policy. Just know...
I think this is important for understanding.
There was know not covered for 6 months or some other time period...I could be wrong and would love clarification... are this exclusions forever or for a time period?
5
out of 5
POSTED: | BY: RC
A French Bulldog must.
I have had many pet insurances over the years with various pet so I can say that Embrace is definitely a keeper. Claims are handled quickly and easily.
4
out of 5
POSTED: | BY: Sue Tubbs
The online claim is simple with clear instructions.
My pet has Cushings. Insurance claims are usually arduous. This claim was simple with clear instructions. The pull down menu's are a little slow. Identification of pet is a plus, I like that there is a picture of your pet. The whole process took less than 5 minutes.
5
out of 5
POSTED: | BY: Joe Cathey
Ease of processing claim.
Ease of processing claim.
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.