5
out of 5
POSTED: | BY: Bella
I love Embrace Pet Insurance
I love Embrace Pet Insurance. It’s easy to file a claim and I’m paid promptly.
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4.9
out of 5
Number of reviews 20,336
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: Laura
Spent thousands, reimbursed a few hundred
I’ve carried insurance on two dogs for the span of almost their lifetimes. One pup I dropped insurance at age 8, the other kept until she passed (more active dog). When my pup was diagnosed with lymphoma, I thought I’d be happy to have the insurance. I was reimbursed for 1/4 of what was I spent. Cancer meds not being covered, consult fees not being covered. I’m really wondering now if the thousands I spent on pet insurance was ever really worth it.
1
out of 5
POSTED: | BY: Gus Ginesin
Awful company ….
Awful company ….
Stay away 😥
My 6 year old golden doodle was just operated due to a mass on his shoulder area . The claim was partially denied ,because of a pre-existing condition.
The pre existing condition was an allergic reaction in his paws . It causes him to lick his paws during certain times of the year .
I followed all recommendations from embrace . On their recommendation, I sent an estimate of what the procedure would cost . I was approved an estimate of $1900 for a $2300 procedure.
Nothing changed on the day of his procedure, except it was less extensive as planned. The actual procedure was just shy of $1000( my Vet , tends to be more on the cautious side regarding estimating costs ).
I was just awarded a claim in the approximate amount of $250 for a $1000 procedure.
There were actually 2 masses removed , both were identified as an abnormal growth ( nothing related to allergies ).
Thank God they were benign.
When you do the math ,
1900/2300=0.826 .
I followed their procedures ( the estimate included all pertinent information).
I was expecting approximately 82% of the amount expected to pay .
250/1000=0.25.
Due to my Vet being cautious on the high side , the actual amount came in less than planned .
I only received approximately 25% .
I never received any phone calls explaining why !
Shame on Embrace !
I’ll start my agenda by reporting this to the BBB .
5
out of 5
POSTED: | BY: Ron W
I am so glad that I selected Embrace…
I am so glad that I selected Embrace for my insurance provider for my pets. They are easy to work with and so prompt when you have a claim. Thanks to everyone that works there it is appreciated.
5
out of 5
POSTED: | BY: Dana Siekawitch
They are great and reply quickly to any…
They are great and reply quickly to any claims or questions
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.