Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,853

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: Jenny Macias

50 minutes on hold is unacceptable

50 minutes on hold is unacceptable. If I could have managed it off the app I would have but they made me call. A customer shouldn’t wait that long.
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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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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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