5
out of 5
POSTED: | BY: Barbara
Good job yet again with your phone agents
Needed a copy of policy renewal e-nailed.
4.9
out of 5
Number of reviews 20,006
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: Deb
Excellent customer service and claim handling
Our 12 year old Chihuahua Jake was referred to a specialty veterinary hospital this year after a heart murmur and elevated kidney values were found during his annual exam. He had a number of tests including an ultrasound, echocardiogram and advanced blood work and was diagnosed with both heart and kidney disease. He also had an emergency visit during this time due to a reaction to a medication. Embrace handled all the claims quickly and covered the expenses without question. The deductible was also reduced since Jake had no prior claims. Whenever we have dealt with the customer service team, they have been efficient and very pleasant to deal with. We highly recommend Embrace!
5
out of 5
POSTED: | BY: Jeff
Easy, no troubles
Only insurance I’ve ever had with no issues with getting claims paid. Easy, no fuss.
5
out of 5
POSTED: | BY: Patty
Terrific
Great response on any and all claims and concerns.
1
out of 5
POSTED: | BY: Lindsay
I regret switching to Embrace from Pets Best
I submitted my first two claims ever with Embrace and had a terrible customer experience. The mere act of submitting was confusing in and of itself. After I searched the website to find a claim form that is required with every submission, I had to utilize the chat system because the form is confusion - does not provide clear direction. It uses words like "my pet" which made me think the form must be filled out by the pet owner, but, after chatting, I learned that it must be filled out by the vet. So, my vet fills out and submits the forms. I ask about status after a week or so and so they called Embrace. They said that Embrace said they needed more information, when, in fact, they did not. Apparently this is a go-to statement because they assume receiving incomplete work. I learned that they *did* need more information but from another vet (the 24/7 emergency vet) and they took their good old time getting the paperwork from them. I had been waiting for over a month. If they cared about customer service, they would have nagged at the emergency vet until they received the paperwork because I'm Embrace's client and they should want to provide for their clients. When reached out to Embrace demanding a status update, I got the backhanded apology where they cited their policy to me. I realize you have a policy to follow for first-time claims but your lack of urgency created a very frustrating experience for me. I wasn't informed with progress updates and had to reach out to my vet several times. Thank goodness for the vet who did a lot of the work coordinating. One month and 15 days later, I received partial payment. Now I'm stuck with Embrace because my cat now has a pre-existing condition. I HIGHLY RECOMMEND AGAINST USING EMBRACE!
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.