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.
Regardless of the premium, its well worth the investment.Vet costs are through the ceiling and catastrophic care is the most expensive a 4 to 5000 vet bill in some cases would end up in euphuism and that's not a choice I would want to make. And Some vets will allow assignment in lieu of euphuism. What a blessing. Embrace has a good name. In my opinion you cant go wrong. Dogs Cats just love o get into anything and that at times is very costly. If a person thinks Dogs and Cats are expensive own a African Gray Or a Macaw or any other exotic bird Know that's a costly pet.
5
out of 5
POSTED:
| BY: Liza
Wellness Claim Quick and Easy
I filed my dogs wellness claim, he was neutered. I faxed in my paperwork and a week later my claim was reviewed and reimbursement check was issued. Quick and easy! No jumping through hoops! I am extremely happy with the sevice this far.
5
out of 5
POSTED:
| BY: Debbie
Happy with claim processing
We have 2 small dogs and after being completely healthy for over 3 years, they both suddenly had health issues that necessitated multiple vet visits and medical procedures for both. I have been completely happy with the reimbursement of all of these claims, and appreciate the email updates during the processing. At one point I didn't understand the status indicated on one pending claim on their Embrace portal, and a customer service representative explained it fully and quickly by email. My only dissatisfaction is with the price of the premium for us this year; we are a military family and after living in the central US have been transferred to southern California and our premium prices were increased astronomically due to our geographic area.
5
out of 5
POSTED:
| BY: Theresa
wellness and injury claim quickly expedited
Embrace was very fast and efficient in processing a claim for both a wellness visit and for an injury.
2
out of 5
POSTED:
| BY: Sheare
Don't Embrace Embrace
I tend to believe that we all experience people/companies/customer service differently, and that one person's glowing review will be another person's miserable experience. This is one of the latter; I chose Embrace precisely because of some glowing reviews I had come across. Timing or events, however, conspired, and by the time I was able to file a wellness claim, they had apparently upgraded the software they use to process claims. Instead of the 5 to 10 days, it has nearly been thirty days, and I am entirely fed up. Since I rescued two cats from a kill shelter, I needed the wellness reimbursement to enable other bills to be paid and unfortunately, all I got were excuses about the upgrade. I then came across a series of extremely negative reviews about reimbursements and coverage, complete with contact numbers for the Attorney General of the relevant state and the Better Busienss Bureau. I wrote, politely, to cancel the policies on the 15th. I just received an email giving me a head's up that they hadn't gotten the ACH payments canceled because, per the author of the email, I had only canceled last night. To say that I am livid would be an understatement. IF the payments are processed, which is actually likely, I will also end up paying overdraft fees because, thanks to not having been reimbursed, I had to pay out of pocket for my two cats who WERE covered, as well as more out of pocket care for the rescued kitten, who needed her second immunization. If you go with Embrace, speak to a human being and then get everything nailed down in hard copy. I am so not impressed, and even when I first expressed the urgency of getting the claims processed in the promised 5 to 10 business days, I got zip reassurance or action.
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.
