5
out of 5
POSTED: | BY: Heidi Cheney
Agent was very helpful explaining…
Agent was very helpful explaining benefits.
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4.9
out of 5
Number of reviews 19,744
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: CG
Pet insurance will be a $35 BILLION…
Pet insurance will be a $35 BILLION dollar industry by 2030. They have seen an increase of 17% year over year increase. The key factor driving the industry growth includes increasing veterinary care costs as a result of advancements in medical technology and treatments. So, OF COURSE crappy companies like EMBRACE will be involved. California is the ONLY state that regulates the pet industry, so if you own a pet in that state and EMBRACE tries to play games with you, you have alternatives available to you...I live in SC.
Now EMBRACE is an ONLINE company and as a result, has a FULL SOCIAL media team to address each and every issue...like they care. I can assure you, they do not. The goal is ALWAYS to avoid payment on a claim. They ALWAYS have some BS answer why they won't cover something. EMBRACE is a total insult. I expect them to try to delete this report but just look here on the BBB site. 141 complaints in the past 3 years. BBB claims the complaints where closed...that means EMBRACE responded. That DOESN'T mean the matter was resolved!
EMBRACE embraces the term"pre- existing condition" as justification behind denial. In my dogs case, there was NO pre-existing condition and EMBRACE denied $9,000 of medical expenses I paid myself AFTER paying them their policy fee for coverage.
They define pre-existing as:
a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions;
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing.
So, I would HIGHLY recommend that YOU fully understand your policy because if you don't they won't pay. PERIOD. End of story.
Be certain that you know exactly what your VET is notating in your pet's file and HOW they are notating it. These notes are crucial on being reimbursed.
Overall, there are SO many companies FAR more supportive and helpful to owners. Please look around. You will find EMBRACE has the reputation of avoiding payment and denying claims.
CG
2
out of 5
POSTED: | BY: Don Racey
Embrace was a huge waste of funds
Embrace was a huge waste of funds. We have dropped embrace and moved to Spot Pet Insurance.
1
out of 5
POSTED: | BY: Sharon
Never again
March 2023. Spent 3 hours on phone with customer service to determine if this company was good for my pet. Went with them only to discover they promised the world and delivered an island when it came to paying on policies. May 2023 pet died due to cancer. Reason for non-payment was pet had "pre-existing condition" but never said what it was. Can't by law deny claim without listing condition. Refused to pay claim of over $900. That was for my pet who passed.
Enrolled new pet in June 2023 - cat, 2 years, while waiting for payment from deceased kitty's visit to emergency hospital to find out what was wrong. On new pet they have decided not to cover his special food because of another "pre-existing" condition. How could I know of a pre-existing if I just got the kitty and issue didn't develop immediately?
Last straw was they refused his dental cleaning expenses because according to them, "He had SOME tartar." If he is free from tartar for a year, they claim they will pay. When is a human or pet ever FREE from SOME tartar. Stay away. Just a scam! It was a vet who discovered their sneaky way of getting around paying claims.
5
out of 5
POSTED: | BY: Melanie Romalin
The process is extremely easy and…
The process is extremely easy and customer service is very helpful.
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.