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.
After submitted five claims and having them all rejected, I realized that this was a premium-collection company, not an insurance company. I was conned and I accept that. However, two weeks after advising them I was cancelling the policy I received a notice that they were raising my monthly premium. I can't say if pet insurance is a scam generally, but if you're shopping for coverage, I'd pass on Embrace.
After submitted five claims over six months and having them all rejected, I realized that this was a premium-collection company, not an insurance company. I was conned and I accept that. However, two weeks after advising them I was cancelling the policy I received a notice that they were raising my monthly premium. Reason: dog is a "shepherd mix" and not a "mixed" breed, as i indicated when I signed up--of course, shepherd mix was not an option. I can't say if pet insurance is a scam generally, but if you're shopping for coverage, I'd pass on Embrace.
My decision to get pet insurance weighed on any potential pre-existing conditions my cat may have, as she's had some urinary issues in the past and I don't want to be surprised if they won't cover future claims. I requested a medical review the day I started my policy, but they require you to wait 14 days. After giving them all the vet information, they say you won't hear anything during the 30 days it takes for them to do the review. After 30 days I follow up several times to see where the results are, to find out that they don't have records from one of the vets. It's now been 40 days and they have sent a single email to the vet, no follow up emails or call (and I didn't know we were waiting on this, not the review or I would've called).
They send another request and I call the vet the same day and they say they've already sent the records and have no record of any other requests being sent! I ask the Embrace rep for proof of their first request and they relent--they did not send a request for 38 days. Apparently "We, unfortunately, cannot monitor each and every request sent daily but we try and make sure everything runs as smoothly as possible." means they send at best one email and do nothing else without your intervention. At my job, I would be expected to follow up and, if a customer is coming to me after a month of waiting, I would be calling, not emailing, to get a response ASAP. I assume this lack of tenacity extends to their claims processing. Only after sending another email do they promise to rush the actual review.
Once I got the review, I noticed they had dates of lab work incorrect so the curable pre-existing conditions wouldn't be waived for an additional 2 months. I'm sure I could've fought this but I didn't see a point. I'd rather just pay vet bills than add this kind of back and forth to my workload.
Of course when I asked for the 40 extra days they made me wait for the medical results to be added to my pro-rated refund when I cancelled, they said "we can't do a full refund" which was not what I was asking for. Their attention to detail is atrocious. This was a waste of my time and $100.
5
out of 5
POSTED:
| BY: Rick
After enlisting with Embrace for our…
After enlisting with Embrace for our Cocker Spaniel, we were disappointed about some the coverages they eliminated due to pre-existing conditions. After sending in rebuttal letters from our vets, they reviewed them and re-assessed their initial posture and allowed coverage that they had denied before. I appreciated that they were willing to be reasonable in re-evaluating our case.
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.
