5
out of 5
POSTED: | BY: Steph
Good Service- No Hassles
Just received my check after meeting deductible. Thanks for your prompt assistance.
4.9
out of 5
Number of reviews 17,292
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: Pat Lyon
Learning and Development-Training
The personal attention from each of your employee members has been terrific. They have been personable, responsive, empathetic and responsible. Thank you very much for your assistance.
5
out of 5
POSTED: | BY: Ana K.
Good coverage, good service
I've never had pet health insurance before, but felt I might need it when I got 2 young kittens 6 months ago. I am paying extra for the wellness coverage--which just paid $200 each towards their spaying.
These folks also get A+ for service--informative emails at every step and phone availability when I had a question
5
out of 5
POSTED: | BY: Katy
Excellent Coverage Options
After searching at least a dozen different pet insurance sites, we found that Embrace was the only one that had really good dental and preventive/maintenance coverage in addition to accident & illness coverage options. It was super easy too - I chose my annual deductible, I chose my % co-pay, I chose the dental and wellness options I wanted...done.
The only problem I've had is that a couple of my faxes/emails have not gone through. I had to resend them. I've been told that their system software is being updated and it should be fully functional soon though.
2
out of 5
POSTED: | BY: Withheld
Not thorough
Pros:- covers illnesses some pet insurance plans don't
- annual deductible
- customizable plans
- covers wellness
- everything is done online
Cons:
- more expensive than other pet insurance plans
- upgrading plans will make previous conditions pre-existing
- considers dermal cysts and histiocytomas pre-existing
- missed the attachment of Orthopedic Exam
- phones broke down
- took 7 calendar days to finally talk to and clarify an e-mail with a particular Claims Embracer who was always not at their desk. Claims they had phone issues.
- took 29 calendar days (no holidays) to process my claim and they missed the attachment
- took 34 calendar days (no holidays) to receive my refund
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.