Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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: Dee

They have terrible customer service

They have terrible customer service - they ask me to send the receipt numerous times for something I buy monthly for my pet’s medication. It’s so frustrating dealing with people who clearly don’t care. Can’t wait to cancel my plan next year - I’m not dealing with this anymore.
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5

out of 5

POSTED: | BY: Andrea Morales

Top rate customer service always.

Top rate customer service always.
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5

out of 5

POSTED: | BY: Michael Coleman

Easy to submit claims and timely…

Easy to submit claims and timely response
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5

out of 5

POSTED: | BY: James LICHTENBERG

Excellent, woof woof woof!

The one-hour "hold" wait was 8 minutes. The representative was charming, knowledgeable, and resolved my issue quickly and with good humor.
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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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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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