5
out of 5
POSTED: | BY: Julie
Wish Human Insurance Was as Good As Embrace
Prompt confirmation of claim. Clear explanation of benefits. Nice summary of account status.
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: Michelle
Better than I expected!
Overall, I am extremely satisfied with Embrace. They take the time to explain things, even when I was frustrated. There was some minor misunderstanding in the beginning about when they would conduct the health review, but I think I was asking more than most people do at the moment. The claims have been processed rather quickly and the checks are good. I am a little disappointed in one of the "pre-existing" conditions because a vet I went to once diagnosed without testing and therefore the only way to appeal that (which I am thankful there is a way) is to get the vet to write a letter that says the previous diagnosis isn't correct. I will have to get my new vet to do this, because even though the orthopedic report card showed no signs of arthritis, the vet that wrote it in the notes was enough to cause concern for the insurance company. I appreciate that they review the notes and explain it all, but I wish I didn't have to jump through a hoop when the records clearly show no testing or imaging was performed to confirm arthritis.The other downfall would be that the vet has to fill out the form every claim. I think my office staff wasn't thrilled about that, but thankfully the form is quick and concise.
Otherwise, honestly, it really is better than expected. I really worried they would give a reason as why not to process the claim, but they didn't. And, they even keep you updated along the way and give you all the resources to submit claims and check statuses. Thank you!
5
out of 5
POSTED: | BY: Carol
Amazing Company!!
Incredibly easy claims to submit with very quick reimbursement!! I highly recommend this company!!
5
out of 5
POSTED: | BY: Brian
Worth it!
I was skeptical about needing pet insurance but I'm glad that I purchased insurance with Embrace. Our 7-month old Golden Retriever has had several overnight visits at the animal hospital and Embrace promptly settled each claim. Hopefully she grows out of this puppy phase of eating everything in sight but until then we're very pleased with Embrace's coverage and the simplicity of completing claims.
5
out of 5
POSTED: | BY: LYNNETRA
First time having pet insurance
I am new to the pet insurance world; however so far so good. I have two pets and Embrace has covered everything so far. I don't have any complaints they communicate and they email me as well. I love the fact they keep me in the loop on what is going on with each claim that I have submitted.
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.