5
out of 5
POSTED: | BY: Debbie Jones
I love embrace
I love embrace. Quick claim reimbursement and friendly use.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,318
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: R Teman
To file a claim is so user friendly!
To file a claim is so user friendly!
5
out of 5
POSTED: | BY: Kathy Brown
The process was easy and quickly.
The process was easy and quickly.
2
out of 5
POSTED: | BY: Clare Vara
Not worth the trouble and money
Too expensive, too much trouble to file claims, ALL allergies deemed life-long ailments when they aren't necessarily,
1
out of 5
POSTED: | BY: Michael Kinney
If you enjoy fighting for every claim, choose Embrace
I picked Embrace out of the pile at the recommendation of the shelter I adopted my dogs from. I have filed a half dozen or so claims for my older dog. Thus far, every significant claim I have filed resulted in a protracted period where I awaited response (at times longer than the 15 business day turnaround advertised), only to be told (erroneously) that my claim was denied due to the issue being a preexisting condition (which has been an incorrect assertion every time). These have been with different adjusters, so it’s puzzling that I’m seeing a pattern where the rationale is either fundamentally incorrect or they’re misinterpreting my dogs history.
To make matters worse I am a human physician, so when the rationale doesn’t make any sense it’s straight forward for me to point it out. Yet only a few times has the decision reversed after my input. Other times they demand an appeal letter from the veterinarian to reconsider the decision, which most recently involved denying a claim because a preexisting condition was listed as one of ten potential explanations for an acute illness. Appeal letter writing is a tactic used by human insurance companies in the hopes that the doctor won’t have time or the patient will give up, which would be the equivalent of getting a bluff through in a game of poker and is functionally practicing medicine without a license. It makes me wonder how many Embrace customers accept claim decisions in good faith simply because they don’t have medical training.
Thus far my experience has been frustrating due to delays and nonsense arguments from adjusters. Insurance is meant to be “peace of mind” and to protect those one values. Embrace advertises the letter of that sentiment but is quite brutally missing the spirit. Prospective buyers beware.
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.