5
out of 5
POSTED: | BY: Howard
Embrace has been great!
I've always been pleased with Embrace's customer service, prompt payment, and ease of access.
4.9
out of 5
Number of reviews 20,336
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.
2
out of 5
POSTED: | BY: kim igleheart
Disbelief!
This was my first claim. After filing, I received an ambiguous e-mail saying "one or more" of the veterinarians who had treated my dog had failed to provide information pertaining to one or more of his visits. Total lack of specifics. I had to guess what was missing. I sent them an e-mail explaining that he was a rescue, and that I had previously given them everything I had on him, and would they please let me know what else they needed. They failed to respond. Instead, they CLOSED my claim for lack of information. I got it re-opened. I sent them his "kennel card" from the shelter. They told me that should be sufficient. Again, they CLOSED the claim, rather than following up with me. Spent a total of over an hour on the phone trying to get this resolved. Finally did. The problem? "Customer Service" is attempting to handle claims-related questions. It seems that they are screening the calls, rather than sending ALL claims-related questions to the CLAIMS department. Once I finally got to speak to the claims department, things started going more smoothly.
5
out of 5
POSTED: | BY: Carlie
Thank God for Embrace!
Our dog started vomiting and having blood in her poop. We had several trips to the vet and some over night stays. We were eventually sent to specialist. There were so many test done and changes in foods. It was a very stressful time. It started early February and lasted into March. It turned out to be Inflammatory bowel disease. Owning a Lab, we got the insurance because we figured she would eat something or get bad hips, never did we expect this at 2 1/2 years old!
Embrace was so easy to deal with. We were able to get pre certified for the visit at the Animal Specialist which was costly and that made getting the money back easy quick. Everyone was so helpful and nice. We have the wellness plan as well, and it looks like we will use every bit of it each year with this new condition...and to think we thought about canceling the insurance this year! Thank Goodness we didn't! Peter is awesome!!
5
out of 5
POSTED: | BY: Luisa
So thankful for Embrace
Earlier this year my 8 year old 'middle' dog, a mixed breed from the local shelter, was diagnosed with cancer (lymphoma). Much heartbreak behind those words, and no way of knowing just how much time he has left -- but he's alive today and enjoying great quality of life thanks to an excellent team of veterinary oncologists, and of course thanks to Embrace. Advanced treatment (surgery and chemotherapy) would have been out of the question without Embrace Insurance. They've been there for us every step of the way: prompt, efficient, and understanding. Because of Embrace, my dog is enjoying life, and I'm so grateful that he's had more time to relish treats, zoomies, and big barks at passers-by. I recommend Embrace Insurance to everyone. Thanks, Embrace!!
4
out of 5
POSTED: | BY: Judith McPherson
reimbursement is very quickly sent!!
Vet bills are like having an uninsured child to pay medical bills for treatmen Embrace has been such a help when Bogie has a lot of needed care. The checks are quickly sent sent to us after we have filed claims. Thanks for good service.
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.