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.
I recently made a claim. Embrace contacted me through every step via email to let me know that they received my paperwork, processed the request and issued the payment. I received a check just 3 weeks after submitting the request. I am impressed and happy that I chose Embrace :)
5
out of 5
POSTED:
| BY: Masami Kerby
So easy
I changed from Banfield to Embrance.Wellness plane is excellent and easy to claim.Thank so much for the great service.
5
out of 5
POSTED:
| BY: Chris
Very easy process
We just made and received our first claim under the Wellness Plan. The process couldn't have been easier and everytime I needed to talk to somebody on the phone, the customer service rep was very helpful. The reimbursement check came faster than they promised. Thanks again.
1
out of 5
POSTED:
| BY: Christine
Feel Completely Tricked
I signed up for a policy for my American Bulldog mix. After I sent in the paperwork for my health history review, I received notification that I needed to prove that my dog was a mix instead of a purebred - his file at the vet mistakenly identified him as a plain American Bulldog - or they were going to raise my premium. I talked to the vet and they said they would provide a written statement indicating that it was an error on their part, and that I really do have a mix. Embrace said this was not sufficient -- that I had to have something from the rescue. Which made no sense to me since they had to guess at what he said and the vet is way more qualified. I was also told that I could send in pictures to demonstrate that he was a mix. So I did. And I was then informed that I had a Boxer Mix so they were going to raise my rates anyway. Which is absolutely ridiculous b/c I did was I was asked to - I proved he was an American Bulldog mix and the underwriters at Embrace switched it up on me so they could raise my rates anyway. I asked for clarification on why they were raising the rates anyway, when I had done what they asked, and had a vet that was willing to atest to that. Instead of getting a response, I got an email informing me that my premium had been raised and my card had already been charged.
I feel completely hoodwinked and feel that Embrace has some unethical business practices. I have cancelled my policy b/c I do not want to do business with people I can't trust to be honest. I've read through these other reviews and realize that I am completely in the minority, but wanted to share my experience anyways.
5
out of 5
POSTED:
| BY: NeMa212
Transparent & Uncomplicated
Having recently switched from VPI, I was absolutely amazed at how transparent and uncomplicated the claim process was. Sure, the two policies I got for my dogs cost approximately 15% more than their VPI counterprts, but I have already more than made up the difference. For example, Embrace's routine-care (wellness) coverage actually costs just as much as the other insurance company. However, I was actually shocked to have received a 100% reimbursement from Embrace up to the policity limit of $200, when I was used to receiving very, very small portions back from VPI (e.g., $15 for a $65 shots as well as for a $95 exam, $10 for a $60 test, etc.). I used to get about $40 to $50 back from VPI, but I actually received $200 from Embrace! Wow, what a difference, for the same premium. I am definitely happy with Embrace. The ONLY thing, though, is that they might sometimes be a bit disorganized... I have sent in the same paperwork (NYS insurance waiver?) twice already, and they have just asked me to send them another copy because they couldn't locate one. While this has not affected my claims, it doesn't exactly scream, "We are organized!"
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.
