Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Elizabeth Martin

Good help

When my pet policy renewal doubled in price, I called Embrace to cancel. Clementine heard me out, found a rate more in line with what we are paying now and voila! I renewed. 5 stars to Clementine in customer service.
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3

out of 5

POSTED: | BY: Michelle Swartz

Time frame and login

Well no claim yet. But don't like the waiting time frame for one area, 6mos. I still haven't been able to log in.
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2

out of 5

POSTED: | BY: Christine A

Very disappointed – poor communication and zero efficiency

I am very disappointed with the service provided by Embrace. Trying to get simple questions answered has been an exhausting experience: No Phone Support: The phone line never connects, making it impossible to reach anyone. Ineffective Live Chat: I’ve had to rely on live chat, but the agents (such as Lindsey) seem undertrained and unfriendly. It is very difficult to communicate with them, as they often struggle to understand basic questions. Unresponsive Email/Claims Team: Their automated emails are confusing and unhelpful. Additionally, I have emailed the claims team and have received no response for three days now. Neither their phone, live chat, nor email support is efficient. I am honestly wondering how this company has such good reviews, as my experience has been the complete opposite. If this continues, I will have no choice but to switch to a different insurance company.
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1

out of 5

POSTED: | BY: Frank Hile

Coverage for skin issues and policy of…

Coverage for skin issues and policy of waiting 1 year I Is joke My dog had a cabin back from scratching which resolved with cleaning and a application of topical antibiotic. Months later he xeveloped an external ear infection from playing in pool . Told not covered because he had skin condition a year ago. Now haveto wait anther year for any skin to be covered for fx. Shame on USAA for supporting this company.
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1

out of 5

POSTED: | BY: kathleen Baxter

Very unhappy

I would not recommend Embrace to anyone. I only filed one claim and to date I do not have any resolution. Everytime we submit info they ask for more. I think it is a scam and I am going to cancel. So disappointed.
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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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