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.
5

out of 5

POSTED: | BY: S. Karin

I have been a policyholder for 9 years…

I have been a policyholder for 9 years and for the most part, I have been extremely happy with customer service and timely reimbursement for my expenses. My complaint is that there is a long wait time to reach a human to answer my call and the website has had many glitches that cause frustration. They do increase the price annually which is to be expected but I feel that those of us who home cook and go above and beyond exceptional care should get a little break on these increases! I am still giving them 5 stars but truly hope they fix the above mentioned issues asap.
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2

out of 5

POSTED: | BY: JNB

RUN, run far far away and never look back

I purchased pet insurance before bringing my puppy home, unexpectedly at 3 months of age she developed a cherry eye, the document processing department is extremely behind so instead of everyone communicating together I just get notification after notification that they need the complete medical history of a three month old dog. Everything I have from her three visits has been sent on 5 different occasions. And now I’m stuck because I can’t go to a new insurance company with better customer service, an easier app to function, or anything because of her eye and the fact that she have to have surgery on it. Run before thinking about embrace. Everyone told me this was the best and it’s not, it’s been a nightmare to say the least. I’ve been told by numerous people lately that after you file claims they will also raise your cost.
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5

out of 5

POSTED: | BY: elizabeth

Very Helpful Advice

Customer Service rep Clementine was so clear. She helped me think through adjusting our policy rather than cancelling it. I feel very good about the coverage, looking at future health needs. Our two cats are now protected, and we feel good about the cost. I can't say enough good things about that interaction and Embrace.
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1

out of 5

POSTED: | BY: Jenmifer wigdor

Rates keep going up crazy here.plus…

Rates keep going up crazy here.plus claims taking much longer to pay out. Think it’s time to change companies after 20 years between two pets.
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5

out of 5

POSTED: | BY: T Webb

I've been a customer for 4 years now…

I've been a customer for 4 years now and I love how fast claims are processed and it's easy to get a person on the phone when I have questions.
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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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