5
out of 5
POSTED: | BY: Jasmine Ortiz
Highly recommended to everyone!
Highly recommended to everyone! Pet insurance is a MUST, Embrace is a great one!
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4.9
out of 5
Number of reviews 20,322
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.
3
out of 5
POSTED: | BY: Mechelle Brown
Was hopeful
As others have written, very easy to sign up and for them to take their auto payment.
This year they increased my rate by more than $50 a month. When called (sometimes you can have a multi-hour wait), I was informed that they evaluate the dogs annually and increase accordingly. I need to go through my emails, I do not recall receiving anything notifying me of the renewal increase.
Getting reimbursed has been difficult and lengthy. They request information over and over, making a lot of extra work for the vet staff (and annoying to me because I’m unable to help in any way).
The most recent, that I’m still waiting on, my dog got sick. Throwing up and diarrhea everywhere, was waiting overnight to see how she was — she declined further and was barely able to stand.
This is normally a high energy, very active dog.
We’ve been clients for over a year. This is the first claim on her. They’re still looking into it to be sure it isn’t pre-existing.
They have the report card from when we signet up showing there was no issues. It’s been a year, no claims, and they treat us like we’ve done something wrong and search hard to find something wrong.
Also be aware that the prescriptions actual fall under the deductible too. My older dog has a new for meds, and we won’t meet the deductible, so no script coverage.
Update in response to Embrace’s response:
In one year, while interest rates were between 3-4%, our rates increased about 50%. A rate increase can and is expected, but this to me is excessive — and without warning.
Pertaining to having medical records: as stated we’ve had a policy for a year. When enrolling we have to provide records and we did the all the testing reports and such, so all records are in.
My dog got sick (some type of stomach issue) and it has been well over a month, with multiple reports and records sent from my vet and it is STILL on hold.
My dog was sick, she was weak and was barely able to stand, so it is on hold to see if she had any lameness as a pre-existing condition. There were no pre-existing conditions and it was an issue with her stomach … three different report types from my vet — all stating my dog is not lame in any way and they are trying to say it is now going to be a pre-existing condition and the claim is on hold.
3
out of 5
POSTED: | BY: Brandon Tipton
Just wish I got more money refunded
Just wish I got more money refunded. Had a bill that was almost 800 dollars and only got a little under 200 dollars back.
5
out of 5
5
out of 5
POSTED: | BY: Juan Luis Torres
Website and claims submission easy to…
Website and claims submission easy to do.
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.