5
out of 5
POSTED: | BY: Betsy O'Hara Gross
So easy to submit claims
So easy to submit claims, quick responses!!! Love!!
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4.9
out of 5
Number of reviews 19,749
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.
3
out of 5
POSTED: | BY: Radu
Fairly easy to use but time consuming
I liked how easy and straight forward the claim submission process is, however: selecting a provider is the slowest I've seen, and trying to type is a provider name is VERY difficult. Also, asking people to pick just one diagnosis is very difficult, especially when you take your pet in for limping (as an example), but the pet also received her vaccines. Lastly, please remember the provider and the pet and use them as defaults, and allow us to change them if anything changed. Also, providing this feedback shouyld be greatly streamlined.
1
out of 5
POSTED: | BY: Tom Harkins
I have had claims "on hold" for months
I have had claims "on hold" for months. I have submitted the requested information several times. you are asking for a 12-month medical history on dogs i got at 10 weeks old. the last time i was told i would receive an e-mail within 48 hours. that was several weeks ago. i notice there is never a delay in your taking the monthly premiums. what am i paying for if you won't process my claims or contact me. now i have to deal with this while recovering from surgery.
5
out of 5
POSTED: | BY: Sheldon Johnson
Once they receive the corrected info it…
Once they receive the corrected info it went well.
5
out of 5
POSTED: | BY: Christine
Blastomycosis Heroes
This might be my second review, but it is warranted. I have had Embrace for nearly 10 years. My dog was diagnosed with Blastomycosis in July and has had multiple emergencies over the 6 long months of treatment. I have been on the phone in tears with reps, who were patient and kind. All my claims have been processed rapidly and without issue. Prior to this, he's had a doggie ACL replacement, and numerous other issues - he's a lab and eats everything. I also have two cats that have adopted me - both bordering on feral - and one who is always getting himself into little troubles. The only denial I have had was because of his asthma diagnosis. They have been amazing throughout.
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.