5
out of 5
POSTED: | BY: Kerry Allen Hawkins and Daniel
They were able to help me…
They were able to help me immediately,the process is not complicated
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,915
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: Sharon marshall
Great Service & Easy Claim Filing
Great representatives who answer questions/concerns professionally, efficiently and effectively. Embrace deals directly with my vet if further info is needed on a claim. Claims are easy to submit. Fair pricing.
3
out of 5
POSTED: | BY: Just Glenn
I give Embrace a B-
CONS:
Its like any insurance company... unless you fight them, they will give you the lowest possible payout... its a constant battle.
PROS: Customer service is professional, helpful and most of all, AMERICAN! ((very rare)
3
out of 5
POSTED: | BY: Yvette Pena
Seems like it takes forever to get your money back
Seems like it takes forever to get your money back. I had hoped it would be quicker. Even the animal hospital told me that they take a long time to get the claims approved and to get your money back.
1
out of 5
POSTED: | BY: Seth Jacob-Wagner
Rising Premiums and Pre-existing Conditions
Insurance premiums are rising, but don’t worry! Embrace sent me an email that we, the consumer, are in complete control. We can simply make the coverage worse and then we won’t have to pay so much. I can’t believe I didn’t think of it myself! That was sarcasm. Most recently, they have denied our pet’s care based on preexisting conditions. Our dog had a yeast infection in his ears confirmed on microscopy. He also happened to have an allergy to chicken-based food as a puppy which resulted in otitis externa. Now I am being told all dermatologic conditions are no longer covered as they are pre-existing conditions. If a dog has ANY kind of medical problem prior to obtaining coverage, then the ENTIRE SYSTEM of their body is no longer covered. Hives? Yeast? Cellulitis? Otitis externa? Otitis media? Heat rash? They are ALL not covered. The solution was simple: stop feeding him chicken. I get that if we feed him chicken, and he gets an allergic reaction, then don’t cover it! But denying an entire body system regardless of cause makes no sense medically. It makes sense financially, avoid paying out and then profit. It’s the business model for all insurance companies, for animals and for humans. Don’t be fooled. I’m also on hold for at least 30-45 minutes every time I call them. And before anyone suggests that we just seek other options and allow the free market to somehow magically provide us with a better deal, every other pet insurance company uses preexisting conditions as well. So, what we are left with is the coverage we have and the illusion of a choice in the matter.
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.