5
out of 5
POSTED: | BY: Laurie
Great
It's easy. Submit claims and they get paid. They even send you updates on claim
4.9
out of 5
Number of reviews 19,925
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: Tammy
Outstanding Service and Team
Your staff and your services are absolutely phenomenal! I have been in the customer service business for 34 years and train people on customer service and you have the perfect combination of well trained staff members as well as a great service to offer. I have spoken or emailed at least a half a dozen staff members and not only are they knowledgable but they are pleasant, professional and very quick to respond. I don't recall all of their names but Mac and Karin are the two I dealt with the most (I just added my puppy and had several claims here at year end.) Working with your staff and company has been very enjoyable. I have told my vet on more than one occasion how superior Embrace is to the other two Pet Ins companies I have used in the past. I only wish the health insurance industry as a whole had the same level of service and customer support as Embrace. Keep up the great customer service. You have an awesome team and a great service
5
out of 5
POSTED: | BY: Jane
Great service, easy claims
We recently purchased Embrace insurance for the first time. We recently filed claims. The forms were simple, and the reimbursement checks arrived very quickly. It was easy. The Embrace customer service reps are always friendly and explain things well.
1
out of 5
POSTED: | BY: Loren
Our first Claim with Embrace
We chose Embrace for two of our dogs insurance and submitted our first claim. Our dog had high protein (a year ago) in his urine which Embrace counted as a pre-existing condition. Recently he was not acting well so we brought him to the vet to see if something was wrong. Our vet did a number of tests - ONE of which waS related to the pre-existing condition. The bill was $645. Embrace initially rejected the whole claim. After appeal they agreed to pay only the wellness portion ($200). T The rest of the tests they rejected...including Chemistry Super, T4 Thyroid test, and the Lyme panel which were absolutely not related (and not part of a wellness exam). They basically are saying that if there is ANY pre-existing condition All diagnostic testing for that pet will be denied forever....no matter how unrelated the test are to the initial condition. This is completely unacceptable. I consider this company to be deceitful and totally unethical. Do not sign up for Embrace...find a better choice as we are going to do!
5
out of 5
POSTED: | BY: Hedy
Polite and Prompt
I have had Embrace insurance for the last 4 years or so. Embrace has always paid claims promptly and without fuss. The staff has been unfailingly polite and accommodating. This review is not for one incident but for many over the last few years as my dog's health declined due to kidney disease then kidney failure.
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.