1
out of 5
POSTED: | BY: LAVON
DEDUCTIBLE TOO HIGH!!!
TOOK TOO LONG TO RESPOND TO MY CLAIM
4.9
out of 5
Number of reviews 19,923
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.
4
out of 5
POSTED: | BY: Debbie
Timely reimbersments
I have been with Embrace for a year and a half and so far have been pleased.
1
out of 5
POSTED: | BY: Bruce
A complete Lie and Mostly a FRAUD
We have now been EMBRACE customers for about 180 days--and I must say I find them to have misrepresented the quality of their service and to have little or no regard for their clients or their client's pets--but only in their profits.We started as monthly auto bill specifically to see how they would do--in my view they fail in their claims handling processes--where they threatened not to honor our legitimate claim if the VETS OFFICE--over who we have no control--did not give them a special history within a very short period of 10 days. I find that approach to be EXACTLY THE OPPOSITE of the type of service they have represented--and so we will be discontinuing our coverage and instead putting the monthly amount into a savings account for our pet--where I can make the decisions whether her treatments are justified--not some petty bureaucrat at this lying firm.
5
out of 5
POSTED: | BY: Hilary
Grape Intoxication - >$1000!
We returned home from a short grocery trip to find grape stems all over our kitchen floor. Jackson, our 90lb Boxer, had made his way into the trashcan and devoured about 1lb of old red grapes we had just thrown out. He was not yet showing any signs of intoxication but we knew they could be lethal from a quick google search, and call to our vet. Of course it was 8PM on Sunday evening, so off to the emergency vet we went. We were required to leave Jackson overnight while he stayed on IV fluids to flush his system - this also required a cardiologist exam and echo to re-check that his heart could handle the fluid intake (prior heart murmur present). We knew this wouldn't be a cheap visit (the echo itself is $500!), but we had peace of mind knowing we wouldn't have to base any medical decisions on our fear of the bill thanks to our Embrace plan. After induction of vomiting, activated charcoal, and 24 hours on continuous IV fluids, we were released to our regular vet for monitoring. Jackson's kidneys proved normal over the course of the next week, and he has fully recovered. Our claim with Embrace was processed very quickly, especially for the amount of the bills submitted. We have been Embrace members since Jackson was a pup, and feel it's one of the best investments we can make.
5
out of 5
POSTED: | BY: Eric
Amazing experience
Our 4 year old golden retriever was diagnosed w/ patella luxation requiring surgery to stabilize. The whole claim process was simple. Embrace answered all my questions via email in a very timely manner. The claim process was fast too. I received a check in about 20 days. They even followed up to make sure everything was okay. I was skeptical at first but not anymore. I can now say i am very impressed w/ Embrace
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.