5
out of 5
POSTED: | BY: Bryan Slaughter
Fast turnaround time on the payment and…
Fast turnaround time on the payment and clearing the claims.
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4.9
out of 5
Number of reviews 19,749
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: James Reed
Great Value at low cost
Great Value at low cost. Easy to submit claims
5
out of 5
POSTED: | BY: Linda Roggli
Always easy to submit claims
Always easy to submit claims; much improved from previous online site. And quick payment of claims as well. Great customer service, too.
3
out of 5
POSTED: | BY: Roger Belanger
I acquired this policy based on my…
I acquired this policy based on my vet's recommendations as for the simplicity of it's usage. I was told after each visit a copy of my billing would and was sent to Embrace for processing of reimbursements ... Yet if there is a problem with embrace not receiving the invoice due to changes in their system processing methods I would not be reimbursed. as was the case for several years Receipts were sent in to what was then the original processing center not knowing of any changes having been made thus causing my claims to never have been seen and of course not being processed Embrace told me no matter what it's my responsibility and embrace holds themself at NO fault At $2,625.00 yearly is this truly the way to go?
1
out of 5
POSTED: | BY: Denise Phelps
Do not sign up with this company
Do not sign up with this company. They will deny claims for "pre-existing conditions" even though the health issue is unrelated. They will badger your vet for the pet's complete medical record, even though they received it as I personally sent it. Then they will ask for it again. Clearly a stall tactic or they are very disorganized.
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.