Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Michael Stearns

No Customer Support

While the coverage is comparable with others the level of customer support is literally non-existent. I tried reaching a live person for over three months (unsuccessfully) The wait time when you call exceed 90 min and time out and terminate should you try. Claims payout is extremely slow largely due to not being able to speak with anyone.
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5

out of 5

POSTED: | BY: Ngo Hang

Responsive and compassionate

Embrace was responsive and compassionate throughout the claim process. My 16yo cat was sick for a while and passed away recently. All of her claims were processed promptly and the reimbursement was what I had expected, no surprise in the process. Claim submission was very easy and instructions were clear. The premium was pricey for sure but they cover senior pets which is not usually accepted by a lot of other insurance. Worth the price IMO.
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3

out of 5

POSTED: | BY: Kyle H

It's horrible trying to communicate…

It's horrible trying to communicate with them. It really sucks. I'm a usaa member so I greatly appreciate that help but it's really hard
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2

out of 5

POSTED: | BY: Sue Meyer

Premiums keep going UP AND UP

I took out a policy in 2015 for my Miniature Dachshund when I bought him at 8 weeks old (now 9 years). This company had many different policies that were available and customized plans.I have paid annual premiums faithfully. I bought another miniature dachshund 8 weeks old, he will be 4 in a couple months. I bought the exact same policy.Almost every year the premiums have gone up. I have healthy,trim,active dogs.With NO ISSUES OR CLAIMS , now because Oscar is 9 my policy was going up again this year so it would have been $1780.76.Again no claims on either I was told I could change my policy to make my DEDUCTIBLE HIGHER for my pets and make the coverage less.Instead of 80%/20% ALSO I would have to start over again and any history would be considered a pre-existing condition.My pets DON’T HAVE ANY HISTORY But it’s the point!! I’m VERY DISAPPOINTED in this company. I will NO LONGER highly recommend Embrace Pet Insurance.Which I have been doing for 9 years. I could have saved thousands of dollars by waiting until now to buy a policy. So I canceled my policies and now I’m putting $1500.00 in a savings account for illness and accidents every year.And if I’m blessed with continued happy healthy trim active pets. I will get to keep my money in my pocket.
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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 detail
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.
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