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.
4

out of 5

POSTED: | BY: Katie Roughan

Happy customer, lacking desktop and mobile exp

So far I've been very satisfied with Embrace. pros - lovely, human customer service team - quick claim processing times - quick to receive direct deposit cons - there can be long phone wait times - less than optimal desktop and mobile experience I recommend investing in desktop and mobile improvements to ensure seamless, delightful workflows. re: desktop portal - improve user login experience - login pulls up random page before entering desktop portal - slow loading times on provider dropdown - plus, difficult to make selection from dropdown re: mobile app - it would be great if the mobile app supported screenshots - I end up avoiding the mobile app altogether because of this Embrace provides excellent customer service and claim processing times. If they want to take it to the next level, I recommend investing in improvements to desktop and mobile.
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1

out of 5

POSTED: | BY: claudia brown

Wasted a years worth of payment

I only signed up with Embrace because they are working with USAA. To start they gave me a decent price to cover our cat. However after the first year they raised the premium by 40%. When I called to ask why, they said it was because I filed a claim, I said I never have, based on the date I realized it was not a claim but the required information requested from the vet by Embrace to start the coverage. I felt my account was flagged for pre existing conditions and I got the distinct feeling they will not cover my cat if he ever needs it. Cancelled Embrace. Until there is regulation for pet insurance, most people are throwing their money down the drain.
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5

out of 5

POSTED: | BY: Jessica Kitson

Excellent customer service.

Excellent customer service.
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5

out of 5

POSTED: | BY: Richard Chu

Relatively fast responses to claims

Relatively fast responses to claims. Clear claims instructions. Wish I got more coverage since my cat got diagnosed with diabetes.
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3

out of 5

POSTED: | BY: ANDY R.

So far: unimpressed

So far, I am definitely underwhelmed. I have submitted several claims more than two weeks ago. I received a message that it was pending additional information… They said they needed vet history for the 12 months prior to the claim. However, when I signed up for Embrace, I informed Embrace, my pup was seven weeks old. I have spoken with a customer service representative about a week ago who said they had the information that they needed yet the status is still pending information.
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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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