Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: NAncy Serena

NO CUSTOMER SERVICE..DOES NOT CARE FOR CUSTOMERS

I have been an Embrace customer for years and every year I am disappointed by the outrageous rate increase. Also I was slightly tardy in submitting a vet bill due to unforeseen mail and email dysfunctions and they would not accept it. Such bad and inconsiderate treatment of a long time customer. I will never recommend Embrace Pet Insurance to anyone else again. They had an opportunity to do the right thing and they chose not to. It was a deliberate and uncaring decision on their part and I am beyond disappointed. I have given them thousands of dollars over 20 years and they wouldn't accept a $200 vet bill because it was late?? OUTRAGEOUS
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2

out of 5

POSTED: | BY: Susan

First claim on my puppy

I submitted my first claim for my 3 month old puppy and hadn't received any updates except they were waiting for more records. I didn't find out until the third attempt at getting results..that they needed records from my primary vet...for a claim that was from a secondary vet. No one called or contacted me...and I just kept waiting and calling for the claim to be processed. They said it would take a month to process first claim... Very disappointed in how long it takes to get thru to customer service, and to get things processed.
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5

out of 5

POSTED: | BY: Amy

Submitting claims is so easy

Submitting claims is so easy. Claims reviewed within a few days.
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5

out of 5

POSTED: | BY: Patrick S.

We have never had pet insurance before

We have never had pet insurance before. The folks at Embrace have helped us understand all of the coverage and keep it simple.
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5

out of 5

POSTED: | BY: James Jeffreys

Fast response

Fast response, great company !!
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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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