Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Jill Ferson

Poor frustrating service

We adopted a 5+ yr. puppy mill dog and applied for ins. All records were sent and approved. When submitting claims we got the run around asking for more and more info which our vet sent 3 times and still no response. I called and was on hold for 1 1/2 hrs.! We went with Embrace after a recommendation from our vet (we have had Nationwide for years for other pets and NO PROBLEMS with them). Have we made a mistake? I hope we get better service and the coverage is good.
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1

out of 5

POSTED: | BY: KRuiz

Very bad customer service and resolve claims

This insurance have very bad service... I wait almost 20 minutes for talk someone in call phone and (my friend have other insurance they resolved his claim in 15 days), I already have 20 days and still wait, the guy from customer service told me minimum 30 days for "maybe" resolve my claim, I send soooo many email from the app and no body answer me back, but they charge on time my monthly payment that is very frustrating!!
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1

out of 5

POSTED: | BY: Myriam Desravines

Gonna end up going with another…

Gonna end up going with another insurance. For a 1.4k bill they gave me 178 dollars and than proceeded to bill me and take it back. They claimed it was the deductible but i’ve been paying the insurance for months to get basically nothing. shame. They also didn’t take the money twice on the normal pay date (when i had money in my account) waited till the money for the return was given to than took the money twice. We really need that money because the death of our beloved eldest dog, and Embrace really crapped on us. Go to aspca i can’t believe they did this to us.
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5

out of 5

POSTED: | BY: B. YEE

My dog got bit by another dog in the…

My dog got bit by another dog in the park and I took her to the vet. I submitted the vet invoice through the mobile app portal and about a week later, I was notified that the claim was approved and reimbursement would be mailed to me. I'm very thankful to have Embrace Pet Insurance. Although I've had years where I never filed a claim, it's really helpful to have it when accidents happen. I'm also very happy to see that the claim was quickly approved without any additional followup.
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1

out of 5

POSTED: | BY: Tawana Wess

I've had embrace insurance since my pet was 3month

I've had embrace insurance since my pet was 3months old ...essentially have paid thousands of dollars over the last 14 years....i tried to file a claim early on and was quickly told that wasn't included.... i haven't had another claim until now...and i submitted my pets first hospital bill...its still under review... i submitted a lesser vet bill and it was process and only $35 of a $550 bill was paid... im very disappointed with your practices and feel as if ive been paying into a racket!!! so disappointed and would never use u again...and if anyone asked id advise against it as well!!!
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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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