5
out of 5
POSTED: | BY: Lisa Laumer
Thankful.
So thankful I had an insurance policy to cover the needs Duff had due to cancer. I could not of financially managed the enormous vet bills without it.
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: Lila Hunter
Do not enroll.
I received the following email after fifteen business days from my original claim. They are now telling me it will be a MINIMUM OF 30 BUSINESS DAYS BEFORE THEY ANSWER MY CLAIM. THEY ARE THE WORST.
Hello Lila,
We have received medical records for Harry and they are in line for review.
Harry's medical records could be reviewed for several reasons, including:
You've requested a medical history review
You've submitted your first accident or illness claim
Harry has a claim pending medical history for a specific date of service
We are updating a temporary pre-existing condition on Harry's policy
Once the medical records are reviewed, pending claims can be processed and medical history reviews can be completed. This process can take up to 30 business days once we've collected all necessary medical records, and it is likely you will not receive any updates during this time.
Please note that if our team finds that we are missing medical history or the records we receive are summary/vaccine records only, this will delay the review and/or claim. Please be sure to let us know which practice(s) Harry has visited in the 12 months before you purchased your policy.
Medical records can be emailed to claims@embracepetinsurance.com, submitted via your MyEmbrace customer account, or faxed to (800) 238-1042. Feel free to contact us if our requested time frame has been exceeded.
Warm Regards,
The Embrace Claims Team
Embrace Pet Insurance
800-511-9172
www.EmbracePetInsurance.com
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Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company
5
out of 5
POSTED: | BY: Ellen Magras
Efficient and Expeditous
Embrace’s claim process is smooth and quick. I thank God I had insurance for my pet’s unexpected emergency.
1
out of 5
POSTED: | BY: Carmella Gitzen
Excellent product, BUT.......
Excellent product, but the price is high.
5
out of 5
POSTED: | BY: Greg D.
Great insurance provider for my Stella (English Bulldog)
Great insurance provider for my Stella. Fast reimbursement! Clear and concise, no surprises.
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.