5
out of 5
POSTED: | BY: nola
Embrace Insurance Rocks!
They are prompt, very thorough, and keep you up to date through the whole thing. It's well worth the money.
4.9
out of 5
Number of reviews 20,325
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: Cindy
Why has the speedy claims service slowed
Embrace has good coverage but I also liked the speedy claims service they provided in the past. I used to be out my money for only about 2 weeks. Recently is has been over 30 days. I see it is now 15 business days before they even process the claim.
5
out of 5
POSTED: | BY: Cindee Dickens
Excellent all around insurance
I have nothing to say about Embrace except good things. I think it was 2007 when one of my golden retrievers, Frisbee, got a torn cruciate ligament and at the time I was unemployed, no money coming in, and no pet insurance. I struggled but I found IMOM.org where people log in to see what your story is and donate to the dogs or cats they choose to. So I needed $3,300 for the Frisbee’s surgery and I had to wait for a couple months before all the money got donated. Frisbee got his surgery paid for all in donations. After that, as soon as I got an income stream coming in, I searched around for insurance companies and most did not cover preexisting conditions, or they did not pay for diseases specific to the breed, or wouldn't except my Abby because she was 8 at the time, or they paid claims on their own rate schedule. Then I found Embrace. We have been insured with Embrace since 2008 and my Frisbee is no longer with us but, I have L. Bostwick and Abby. I am so glad I found Embrace because before Frisbee died he came down with cancer and Embrace paid for all his chemotherapy pills, surgery, and specialist visits at the hospital. During the time we have been insured with Embrace they have paid every claim within the 15 business day window, and most of the time they paid within 2 weeks. I have the reimbursements automatically deposited to my checking account which is a huge convenience. I highly recommend Embrace pet insurance to everyone who has a pet.
5
out of 5
POSTED: | BY: Virginia
It worked as advertised
Derby had/has bilateral cranial cruciate ligament tears. I recieved a check which was for exactly what it should have been. But unfortunately we are not finished. I still have x-rays to check the healing and her right knee to fix. I hope everything goes as well with Embrace as it has so far.
1
out of 5
POSTED: | BY: Jeremy
Avoid at all costs
I was incredibly happy to find this company. Their focus on customer service, impressive coverage, and smaller company size as compared to AKC or Purina really drew me to them initially. Sadly this was short-lived.
I purchased a better than average policy that covered accident, illness and wellness care. After all, with a great dane you can't be too careful. For my money I expected to be treated to the great service that they advertise. I got the exact opposite. My time seemed less important than their time. My claims took too long. When they asked me a third time for my pet's health insurance after I had already provided it two separate times I should have seen the writing on the wall but that wasn't the worst of it.
Bottom line is, they provide good customer service on some occasions but my experience showed them to be disorganized, rude, & lazy. The person who "helped" me was one of the worst excuses for a customer service rep I've ever seen.
SADLY, the best service I recieved from them was from the customer service rep who helped me when I cancelled my policy.
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.