5
out of 5
POSTED: | BY: Sharon
they lady that helped me ws very helpful
they lady that helped me ws very helpful
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4.9
out of 5
Number of reviews 19,737
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.
1
out of 5
POSTED: | BY: Julie
This year they are more than doubling…
This year they are more than doubling my insurance premiums!! For no apparent reasons but "the vet bills increase in the US these days" and “your cat is getting 1 year older” . I don’t think it’s a good reason to double an insurance premium . AND they had already increased it the past year. What is it gonna be next year? triple? Also they don’t cover prescription food- Only prescription medication- Beware!
1
out of 5
POSTED: | BY: Lucie Edwards
DO NOT PURCHASE
If I could give Embrace a 0 I would! Genuinely don't even bother getting pet insurance at all. After submitting almost $1,000 of vet bills, Embrace reimbursed $0 of it. Mind you, this was after months and months of trying to get them to even review the claims. They claimed that our cat had a preexisting condition (a fully healed Upper Respiratory Infection she had while she was in the shelter) even though the vet literally stated in the first appointment that this was NOT the issue, and even after spending hours on the phone with them, Embrace only conceded to reimburse us $98, which is well under what we are owed. We are cancelling our plan immediately and are beyond disappointed in not only the pet insurance itself but the staff who seem entirely unempathetic and unable to use a single ounce of logic in assessing claims.
Update: See their stupid response to this? Did they even read the review? This type of response is exactly the issue with Embrace. In my review, I clearly stated that my cat did NOT HAVE A PREEXISTING CONDITION not even in the terms you defined it in the policy contract. Also, absolutely hilarious to say you "see a team member has provided additional information" in reference to an automated email response confirming the cancellation of my insurance plan. Don't act like you did your best attempt to right this situation; all you guys want is to take our money, you really could not care less about the health and wellbeing of the animals involved.
5
out of 5
POSTED: | BY: Mike Bowerman
I signed up with Embrace over 10 years…
I signed up with Embrace over 10 years ago. I insure 2 cats and 2 dogs. More for the dogs as our cats are indoor cats. The Wellness program is great! All their shots and checkups are covered. I just had an injury claim to our 4-year mini-Poodle. They covered everything! He's coming along great. The staff was so compassionate and understanding. They truly love their job! Anna was great! As long as we have animals, we will have Embrace!!
5
out of 5
POSTED: | BY: Jackie Dickens
embrace is always clear and prompt with…
embrace is always clear and prompt with my claims. recently unexpectedly we lost one of out babies. I called to remove her from insurance. the lady I talked to was amazing,personable and sympathetic to my situation. she made it easy. I would look to them with my all my other babies. it means alot when they care.
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.