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.
1

out of 5

POSTED: | BY: Marisa Turner

Never signed up to these but taken a…

Never signed up to these but taken a payment from my account I don’t know what is going on will be reporting as fraud tomorrow
5

out of 5

POSTED: | BY: Dawn Hibbler

Customer CARE

My representative, Jeff, was incredibly helpful. He listened to my needs and guided me to a plan that perfectly suited those needs. He was knowledgeable, efficient, and professional. I couldn't have asked for better customer care-- not just customer service-- customer CARE!
5

out of 5

POSTED: | BY: Laura

Helpful and kind representative

The Embrace representative was very kind and helpful throughout my policy renewal process.
1

out of 5

POSTED: | BY: lynn moore

Filed a claim been over a month and…

Filed a claim been over a month and they finally decided to get in contact with my vet regarding health records, which my vet clinic responded to their email, embrace stated they didn’t receive a email from them the first time I called the second time I called Anna claimed they didn’t sent the records via link they sent in the email, then she has the nerve to tell me that I need to call and make sure they sent the papers the proper way, no that’s your job not mine, I am paying you for your services not the other way around and I told Anna that I wasn’t going to play the middleman it’s their job to call and get those papers, she sents it to the claims department where they proceed to email telling me I need to get the records for them and fax them to them, why can’t y’all call the vet and ask for them to be faxed? Very disappointed in this company and it’s even more frustrating I’ve wasted two months paying for their services that I’ve never gotten and won’t get cause they’re too damm lazy to do their job. Update I received a email today from embrace stating they received Oliver medical records, they not only lied to me this last two phone calls between me and them, but they’ve been refusing to do their job and reimburse me like they claim they do, and of course as you can see in their response their trying to blame me for their incompetence is o do their job reaching out and letting me know how it’s going is one thing but telling me I need to do it for you is another and I have photos of the messages between us that review is posted on google review board
5

out of 5

POSTED: | BY: Julie

Fast and Friendly support

We have been very pleased with the support, the quick approval to claims and the friendly customer service. We have already recommended Embrace Pet Insurance to others. We have our 2 yorkies insured and one has an upcoming surgery that will be covered. It makes it a lot easier to proceed with care for your pet when you have "help" covering the costs.

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 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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