5
out of 5
POSTED: | BY: mary
great customer service
Prompt and courteous attention. Great service so far.
4.9
out of 5
Number of reviews 19,756
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: Jeannie
Very Impressive
I did a lot of research when looking for Pet Insurance coverage. I am very happy that I chose Embrace. They are very efficient, friendly to deal with, quick to respond and are very knowledgeable. I have recommended Embrace to 2 of my co-workers who joined Embrace and are as happy as I am. We talk at work about how quick and helpful they are. Thanks ! Keep up the good work!!
4
out of 5
POSTED: | BY: Tiffany
one big drawback
While this company has many excellent qualities there is one big drawback. They claim all vets accepted. What they do not mention is.... the vet must fill out paperwork EVERYTIME you submit a claim. The office I go to does not file insurance ( or do any paperwork) after a very long phone call to embrace plus sending in doctors notes I still do not know if they are going to pay my claim for an illness it has been 2 weeks. Embrace is willing to pay for the WELLNESS PORTION VERY QUICKLY but considering that is money they are just holding for me I am not too impressed. Until I find out if this illness claim will be paid I would not recommend this company.
1
out of 5
POSTED: | BY: Andrew
Burn your money before spending it with Embrace!
Embrace insurance is an absolute waste of money, you would be better off spending your money on anything than giving it to them. They seem to find a way to SCREW you nearly every time you file a claim. I will give some specific instances for you.....
-I was told that because my dog had been taken to the vet in the past with one of his symptoms at the time being vomiting.....This was considered a pre-existing condition. If you have puked in the last year from food poison or the flu-would you consider that pre-existing?
-After calling and speaking to one of the reps on the phone about rehab for my dog, I was told under the terms of my policy that this should be covered. So I went and got him the treatment and then it was denied payment because in his chart it mentions that we had spoken about keeping his weight down as he got older so his legs would be better (he's got bad front legs) It never said he was overweight, as I have copies of the records.
-When I moved from one apt to another, my premium was raised due to higher costs of treatment at my new place, but........I MOVED 5 BLOCKS AWAY & IN THE SAME EXACT ZIP CODE! WITH THE SAME VET AS WELL!
-I was told that my claims were not covered because I submitted them past 60 days since the visits. However, in the terms of my policy it clearly says that for any charges under $50 you can submit those claims with a larger claim or at the end of the policy year.
-Also, their response time is horrible. I've even be
5
out of 5
POSTED: | BY: Debby
Glad we selected Embrace
We have never had pet insurance and after researching various companies selected Embrace - we're glad we did. The service has been fast, fair and the customer service agents are friendly and helpful. We have an Irish Setter puppy that insists on getting into everything and we have been thrilled with the response to the various claims we have submitted. We would definitely recommend 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.