5
out of 5
POSTED: | BY: Helen
I never knew pet insurance could be awesome!
I have had a great experience with Embrace and I hope to continue to do so
4.9
out of 5
Number of reviews 19,916
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: steve
Speedy service everytime
About 8-9 days from time the claim is sent in to the time a check gets in the mail . outstanding customer service and caring .
1
out of 5
POSTED: | BY: Denise
Vertigo or ear infection
I have been with embrace for many years. Thank goodness my babies have never gotten ill until 6/20/2017 when my lilo that is only 3 yrs old. She was shivering so I held her & put her on my chest. I checked her temperature & it was fine. In a split second her body curved, her eyes started going crazy, she couldn't keep her balance & threw up. I immediately ran to a 24 hour ER. The doctor observed/evaluated her, advised me could possibly be vertigo but in order to determine that they would need to complete an MRI. LILO had to stay in the ER for about 3-4 days to be evaluated. Counting my blessing she would be ok & knowing she was being well taken care of as well as knowing she has had health insurance to help me with hefty bill. Finally released I submitted the bills along with all the information that was done to her during those 3-4 days/nights she was at the hospital. I receive 3 different emails for 3 different claims (it was only 1 claim for all the time she was there). First nights bill is not covered because apparently it was due to a chronic ear infection which they are saying it was something pre-existing she had from 2014 and not covered. The ear infection was not found until the second night of her being at the hospital. I do not think nor believe a ear infection should be something considered as Embrace is stating that it is a "a dermatologic condition". I really don't understand that concept as an ear infection can be caused at any time for any reason as like a fever and should not be classified as a "dermatologic condition". I contact Embrace and spoke with Magen Fletcher who was very rude to say the least. She explained that I now have to submit an appeal. Asked her if she can contact the ER and speak with the doctor to obtain the information to re-evaluate the information better. She stated "no that is the job of the pet owner". I didn't know I had to do their job in order to obtain any and all information to determine the exact DX for lilo. She then sent me an email stating "As we discussed on the phone, you do have the right to appeal the claims. To do so you would need a letter from your veterinarian (which can be in the form of an email) stating why you feel these claims should be covered and any supporting information. The letter would be reviewed by our underwriters and they would make the ultimate decision on whether the claims can be modified". I have four dogs under this insurance and pay a nice monthly bill to have this insurance.
5
out of 5
POSTED: | BY: Karen
Great customer service!
Have been using Embrace for my dog this year and have had nothing but pleasant interactions so far! The claims are promptly and fairly addressed. Couldn't be happier with this service.
5
out of 5
POSTED: | BY: ANN
Excellent Customer Service
Customer Service and Claims Departments are receptive, communicative and very good at resolving issues. I, along with Darby and Drew, highly recommend Embrace Pet Insurance.
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.