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Customer Review for Embrace


8/10   Good reimbursements
I am in the health insurance business - but on the people side. When choosing a pet insurance, I did NOT want a scheduled plan such as VPI has. This type of plan pays a VERY small amount on what is typically a MUCH higher claim amount. The type of plan you want is the type of plan that Embrace offers - deductible and coinsurance based on the BILLED amount. My bluetick coonhound Georgie who is only 3 years old, was just diagnosed with a rare immune disorder (less then 2% of all dogs have it). I took her to Medvet which is a specialty hospital and the bill to diagnose her was almost $1300 with a follow-up visit of another $266. This didn't include the almost $500 I had already spent at my regular vet's office a couple of weeks before. I chose a $500 deductible plan with Embrace with reimbursement at 90% with the highest yearly maximum that they have ($10,000). I was reimbursed exactly as I should have been by Embrace. I did have to pay the deductible twice because my plan year runs 8/26 to 8/26 and my visit to Medvet occurred on guess what date - 8/26!! So be aware that you deductible is NOT a calendar year deductible (January to December) but a plan year deductible (when you actually take out the plan which in my case was 8/26 to 8/25 of the following year). The first claim did take about 4 weeks to process but the follow up claim was only a couple of weeks. Overall, I am very happy with the reimbursement. One thing to watch for though is continuing care
Company: Embrace   Injury/Illness: eosinophic bronchopneuopathy   Breed: Bluetick Coonhound
Claim Amount: over $1000   Age of Pet: 1 - 8
Patty Hook, 9/30/2010
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Liz says:

1/31/2015
What's continuing care? 
 
Patty Hook says:

8/8/2014
On the question above about pre-existing - as long as you take out the policy BEFORE the condition existed, there is no pre-existing. Georgie gets her regular medical care and Embrace has paid for it in 5 days! The thing people need to realize is if a condition existed prior to the effective date of insurance it is pre-existing and not covered. However, thats why you get insurance on your pet as soon as you get them. Also, get their annual exam and shots to keep them healthy and then hope you don't have to use the insurance. But if you do, Embrace will pay your claim if there isn't a pre-existing condition.  
 
Kathy says:

5/23/2012
Can you please explain the continuing care sublimit? And will my policy now be an RLI policy? Will my policy transition as well?  
 
Rich says:

5/14/2012
Thanks much for this review!! I've got 4 pets (2cats & 2 dogs) ranging in age from 1 yr to 8 yrs. Coming from someone who works in the people side of the industry and what to look at when choosing a policy was a huge plus .As was what to ask concerning policy year coverage. It's something I could have easily overlooked. Thank you. 
 
Erich Riesenberg says:

1/2/2012
Remembering policy dates is tricky, but important. 
 
Jewelz says:

5/21/2011
Wow! This is the most helpful review for Pet insurance I've read so far. Thanks for all the info, it's just what I needed. J 
 
Sandra MacLean says:

1/6/2011
Were you able to continue with the insurance, now that your dog has a pre-existing condition? 
 
Laura Bennett CEO of Embrace says:

10/31/2010
Just to let you know, we're transitioning to a new insurance company over the next year (RLI Corp) and one of the great things we have done in the switch over is to remove the continuing care sublimit. So if you have an RLI policy, your policy does not have a continuing care sublimit. Happy days! 
 




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