5
out of 5
POSTED: | BY: Russ Mulholland
Easy and efficient
Easy and efficient. Great customer service.
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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.
5
out of 5
POSTED: | BY: customer
Prompt
Prompt, professional service. Having had a relationship with Embrace through USAA over 3 years has never disappointed.
5
out of 5
POSTED: | BY: Yacht Keepers
Nice sweet people that answer the…
Nice sweet people that answer the phone. My one gripe is when I started with them 10+ years ago I purchased wellness insurance that covered check ups a few year’s latter they stoped the coverage told me it was a Rhode Island state issue and Rhode Island insurance commissioner issue never got a good explanation. Besides that I love them and recommend them to everyone I talk to.
1
out of 5
POSTED: | BY: Amy
Illogical coverage decisions, poor communication.
Have had four cats covered for over two years and submitted our first claim when one needed multiple dental extractions for resorptive lesions. The app states first claims may take up to 30 days. After over six weeks with no further communication, I sent a message asking for an update, and received a denial of the claim first thing the next business day. The denial was based on the cat having mild tarter buildup noted in his first exam, prior to purchasing coverage, and therefore ANY periodontal disease was considered a pre-existing condition. Tarter buildup is not a precursor to resorptive lesions; this is about as logical as saying a stubbed toe excludes a broken one years later. Our veterinarian called on our behalf to fight the denial and no change was made. We made the switch to Embrace after hearing some concerning stories regarding our previous provider, and now feel stuck as the cats are older and would be carrying more “pre-existing conditions” into a new provider. Extremely disappointed with response time, communication and coverage.
5
out of 5
POSTED: | BY: Timothy Potter
Exceptional customer service and claim…
Exceptional customer service and claim processing time.
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.