5
out of 5
POSTED: | BY: Barbara
Very responsive
We filed our first claims for our 3 year old Chocolate Lab January 2012. The claims department responded quickly and accurately.
4.9
out of 5
Number of reviews 20,006
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: Mike
Excellent Customer Service
I expect good customer service from a company and I have found that with Embrace,in fact I would rate it excellent. They are always available to answer questions about my insurance and they have processed my claims in a reasonable time frame.Can we transfer this customer service to my health insurance
plan..!!
5
out of 5
POSTED: | BY: Diane
Great Plans, customer service, etc.
I had shopped for many insurances before signing up with Embrace with my new puppy. I liked the fact that they have a wellness plan which I had signed up for. The reimbursement process is so easy. I recommend this plan to every pet owner out there----customer service is great, discounts for spay/neuter and microchipping is a big plus, you can choose your deductible, and the different plans that you want to participate is each plan year! I recommend it to every pet owner.
4
out of 5
POSTED: | BY: Denise
I had a rough start but an excellent ending
I bought Embrace insurance because of the reviews from their customers. The feedback is postive about the insurance, the coverage and customer service. I felt really confident when I purchased the insurance, I found security that my dog would be okay no matter how small or large amount of medical care he needed. Unfortunately I neeeded a large amount of care within the first 5 months after my dog got ran over by a car. Leaving out tons a detail, my claim was first denied than approved. After a little go around, I felt the Embrace Rep. really did care about my dog receiving care. I spoke to several customer care and all where pretty polite even when I was falling apart crying on the phone about my dog's accident. Once the claim was approved I was relieved that my dog could be saved because I could afford to give him the medical care he needed. Without Embrace insurance, I would have no other choice but to put my dog down. Therefore I am thankful for the customer care rep. who worked with me through this hard time. Every since this accident happened, I tell everyone when I am in the vet( alot since the accident) about Embrace, even though the vet pushes another insurance. When I talk to other pet owners I ask them if they have pet insurance, and stress the importance of having them and how Embrace is an idea insurance. When giving my overall rating I would love to give a 10 but I have to be honest, the original denial of the claim was beyond stressful. Therefore I will have t
5
out of 5
POSTED: | BY: Carmela
Always kept informed
I appreciate the "Claims Embracers" emails and always being kept informed during the processing of the claim. I am very happy about that and very comfortable with the turn-around time of claims submitted.
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.