5
out of 5
POSTED: | BY: Jill Ratkowski
Worst
Worst pet insurance I have ever subscribed to.
As far as I am concerned this company is a scam.
4.9
out of 5
Number of reviews 20,325
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: Christy
Heroes during a scary time
Our beloved 14 year old Isabella suddenly started experiencing intense pain and within a week it progressed to screaming pain nonstop where we had to get a slew of scans and tests done at an emergency vet. The quote was a very scary amount of money, and while we could never put a price tag on our Isabella and her health and we would go broke trying to pay her bills, we had tremendous anxiety about how we were going to be able to afford everything she needed in order to get better. Embrace was wonderful. Not only did they pre-authorize everything over the phone as soon as I sent the quote over, but they covered the full amount of the quote ,contingent on what services will actually be used In treating her. To say this was a godsend is an understatement . My husband and I were both unemployed for a long time due to covid, and even during “good times”, paying these bills out of pocket would have crushed us. Embrace and their staff and representatives handled all of this with a level of compassion and empathy and patience that I can only attribute to the fact that they are all pet owners themselves and have probably experienced similar stress and fear and anxiety over their furry family members.
1
out of 5
POSTED: | BY: Rachel
Easy to use, hard to find the value in
We originally got Geico Embrace at the recommendation of a friend but have had a horrible experience. This is largely my fault, because I failed to understand that all claims go IN FULL towards the deductible rather than being reimbursed 80% with the 20% going to the deducible. Having Embrace has not saved me any money. Instead, so far it seems that I am paying full price at the vet and full price with Embrace! This is truly only good for catastrophic events, and in my mind we are better off saving up our own money for emergencies rather than relying on the incredibly slow approval process at Embrace. We filed our first claim in August and are still waiting for approval in mid-October.
5
out of 5
POSTED: | BY: Leticia Muniz
When we most needed them they were there for me and my family .
I have tried other pet insurance and the response time was great. The review of benefits and the reimbursement . Not to mention the great customer service I had never had before. Not even from my own personal insurance Co.
4
out of 5
POSTED: | BY: Gordon Gerszewski
Establishing a Claim and attaching summaries and invoices is really a pain in the ass. computer program is not user friendly
The people you have working for you are nothing but Spectacular! Alissa Tyminski and Kelsey Markle were fantanstic and so very helpful. I will from now on FAX all documents instead of sending info through your computer program. Accomplishing a claim is very difficult to say the least. You definitely need more people and I understand and feel for you all having to work many issues during this COVID-19. Thank you so much for your support.
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.