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: Jerry Quemada

No urgency and no communication

Unfortunately, I’ll be moving on with another insurance. Embrace has failed to help me with my claims. I’ve tried reaching out multiple times and there has been no help. I had to contact the vets for information and have them send it over to embrace. However, even with that information, they still fail to complete my claim and this is going on to two months now.
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3

out of 5

POSTED: | BY: Fiona

Bitter sweet rating

Bitter sweet rating, I have been with Embrace for quite a while now and have insured multiple pets through their assistance and recommended them for years! When talking to their staff they are always helpful and make sure my questions are answered. I have genuinely felt comfort knowing I had support when it came to my pets health. (Thank you Marisol!!!) Recently, however, I received a call from the company wanting to verify/discuss my account with an AI bot on the other line. Receiving that call honestly brings some concerns for me and distrust with the companies decisions now. I have a senior pet that is insured and after her passing I don’t know if I will consider re-insuring a future pet with the company. Again, the staff themselves have been absolutely amazing and always a pleasure to chat with but I’m unsure of the companies decision makers.
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5

out of 5

POSTED: | BY: W. Patricia

Long time policy holder

I have had Embrace pet insurance for over 8 years. I have found them very easy to work with throughout those years. I have been pleased with the reimbursement process.
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1

out of 5

POSTED: | BY: Jose Hernandez

Poor customer service...taking to long…

Poor customer service...taking to long to "review" alleged claims... not reading histories effectively... disqualifyng claims with no reason... bad bad bad....and did I say BAD?
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5

out of 5

POSTED: | BY: Mo

Great customer service

The customer service associate who took my call, Brianna, was great -- friendly, helpful, knowledgeable and explained everything really clearly and was able to resolve my question quickly and efficiently.
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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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