Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
3

out of 5

POSTED: | BY: Michelle Swartz

Time frame and login

Well no claim yet. But don't like the waiting time frame for one area, 6mos. I still haven't been able to log in.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Christine A

Very disappointed – poor communication and zero efficiency

I am very disappointed with the service provided by Embrace. Trying to get simple questions answered has been an exhausting experience: No Phone Support: The phone line never connects, making it impossible to reach anyone. Ineffective Live Chat: I’ve had to rely on live chat, but the agents (such as Lindsey) seem undertrained and unfriendly. It is very difficult to communicate with them, as they often struggle to understand basic questions. Unresponsive Email/Claims Team: Their automated emails are confusing and unhelpful. Additionally, I have emailed the claims team and have received no response for three days now. Neither their phone, live chat, nor email support is efficient. I am honestly wondering how this company has such good reviews, as my experience has been the complete opposite. If this continues, I will have no choice but to switch to a different insurance company.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Frank Hile

Coverage for skin issues and policy of…

Coverage for skin issues and policy of waiting 1 year I Is joke My dog had a cabin back from scratching which resolved with cleaning and a application of topical antibiotic. Months later he xeveloped an external ear infection from playing in pool . Told not covered because he had skin condition a year ago. Now haveto wait anther year for any skin to be covered for fx. Shame on USAA for supporting this company.
Read more on Trustpilot
1

out of 5

POSTED: | BY: kathleen Baxter

Very unhappy

I would not recommend Embrace to anyone. I only filed one claim and to date I do not have any resolution. Everytime we submit info they ask for more. I think it is a scam and I am going to cancel. So disappointed.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Susan Fischler

Embrace not paying claims. Their portal has been down since May…

Their portal has been down since May and you can't make a claim. I spoke to customer service and emailed them my claims with documentstion at tchandler@ embracepetinsurancecom which they confirmed they received. Since then they've emailed me rejecting my claims because of no supposed documentation. I have 5 claims they haven't paid at this time.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review