1
out of 5
POSTED: | BY: Paige Kaminski
horrible
I have made several claims on different dogs and so far they have found a way to deny each one.
4.9
out of 5
Number of reviews 20,322
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: Dana
Very Good Service
I am very pleased with my Embrace Policy. They respond quickly and cover some things I did not think they would. Overall, I recommend Embrace for your pet with an excellent review.
5
out of 5
POSTED: | BY: Julie
Thankful we could do the treatments!
Our 5 year old German Shepherd Otto was diagnosed with adenocarcinoma in August 2013. Just the initial surgery to remove the tumor and submit it for a histopathology and then follow up xrays, blood and ultrasounds when it came back positive ran us over $1000. This did not include the cost of the evaluation with a specialist and subsequent chemo treatments at nearly $900 a visit. Two things made this possible-a special credit card for medical expenses that includes pet expenses and our Embrace pet insurance. As an insurance agent, I am familiar with the jargon, exclusions, and the need to jump through hoops for a claim to be paid. However, with Embrace, it was simple--1 form completed by the vet and the receipt with details of the services. That was IT! Embrace allowed us to use a credit card (something we try to avoid) to pay the initial bills and then with the reimbursements, we are paying that balance down in significant payments. It has meant everything to us to be able to treat Otto without having to stress about how we're going to pay for it. Sure, it's not 100% but its enough that we can manage it. He is worth every penny we've spent and we're hopeful that with continued treatment and management, we'll have him with us a few more years.
Additionally, the staff that handle the claim respond quickly to inquiries and we are regularly kept informed of the claim process. I'm so glad we chose Embrace for our pups.
Thank you!
5
out of 5
POSTED: | BY: Erin Hammer
Love this company!
They have done a great job getting precertifications done, and the response from the employees has been nothing but wonderful.It would be nice if the claim approval was a little faster. It takes about a month to see the approval for claims come through.
5
out of 5
POSTED: | BY: Doug Ober
Great & Efficient Service 11/10/13
Embrace has responded to my claim faxes with an impressive efficiency history. It really does help to send them a pet history to speed up the process. I also appreciate that they enable you to get your claim via direct deposit. To date I have not complaints and they have covered my wellness claims with great service.
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.