Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,862

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductibleâ„¢, 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: Diane Santos

Calling customer service was a last…

Calling customer service was a last resort to get the answers I looked for. I was on hold for a while but I connected with an agent who was helpful. He put me on hold while he tracked down someone who had the answers I needed.
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5

out of 5

POSTED: | BY: Cheryl Durazo

Satisfied

Very happy with experience! Takes a little too long for reimbursement!
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1

out of 5

POSTED: | BY: D L

Poor Customer Service

When you telephone you can never get a rep on the telephone. They made an error on my new puppy's birthdate and is is taking months to correct inasmuch as I am still being charged the monthly invoice and the puppy is still not covered. Very disappointed. The veterinarian records which were sent to Embrace had the correct DOB and as of date still not corrected 08/21/24. I have emailed several times and will only receive a generic response. Finally, after several telephone calls for months I received an email today, 08/21/24. Inasmuch the DOB has not been corrected. Since there is a two month discrepancy I was verbally promised an adjustment on my lowering my monthly premium (puppy 2 months younger then their records) and as of date no response. Not happy with poor customer service. Their response to me was they are unable to locate my account even though I have been paying them for a few months. Where did my payments go? I am being charged in my AMX😱
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5

out of 5

POSTED: | BY: Patsy Thuet

I’m so glad I chose Embrace for my pet…

I’m so glad I chose Embrace for my pet insurance. Their plans and rates are very reasonable and it’s been very easy and quick to send in a claim. My claim was reviewed and a check was sent to me within about 10 days!!
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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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