5
out of 5
POSTED: | BY: Juliana
Happy with Embrace!
Excellent customer service. Fast reimbursement. Very Happy!!!
4.9
out of 5
Number of reviews 18,659
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: Cora
Impressive wellness reimbursement!
I was very surprised at the prompt reimbursement of the first and second claim for wellness visits I had! The vet office faxed my form on Saturday morning on both occasions, and both times I had the check in the mail that Thursday! I wish my health insurance would respond to a claim so quickly! Hopefully I never need to use the Accident/ Illness portion of the plan, but I am hopefull that it is that easy!
5
out of 5
POSTED: | BY: Neal Mallett
Quick response and caring personnel
Our 9 month old yellow lab swallowed one of our daughters socks. He didn't show signs of distress until a couple days later when he started vomiting. After talking with our vet (after hours),he advised us to take him to the local emergency animal clinic. They took ex-rays,and low and behold they saw a blockage and said he needed surgery. Everything went smoothly,he went home couple days later,and his recovery has progressed very well. We submitted all documentation to Embrace,they reviewed the claim and within 3 to 4 weeks we received an approval for a refund check. The bill was for over $4700 dollars,and our refund check(after all deductions) was over $ 3500 dollars. Anyone considering pet insurance should give Embrace every consideration.
5
out of 5
POSTED: | BY: Alicia Blanche
Satisfied with service received
This is our first time with a Pet Insurance Policy and we have been pleased with the overall claim process and communication regarding progress of claim. Although the first claim we submitted took longer than expected (6 weeks, the subsequent claims have been completed in 3-4 weeks without any complications.
5
out of 5
POSTED: | BY: Gail
Reimbursed
My claim was responded to in a timely way. Embrace makes an attempt to stay connected with their clients.
We did have a problem with the vet having filled in the orthopedic exam form incorrectly, and Embrace did try to rectify the problem. I just wish they had tried to make telephone contact immediately rather than going back and forth with faxes. Now, we are still waiting for the vet to return from vacation. Next time there is a glitch, I would appreciate a telephone call to the vet and to me in order to get the problem resolved in a timely way. It has been 2 months...and, we are still waiting for a resolution.
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.