Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,857

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: Heidi

Poor customer service to a potential client

I called and spoke to a rep with some questions for insurance. After the call I got a generic email with his email address and request to contact him with further questions. I emailed him (Joseph) with more question and he NEVER responded. I also called back and spoke with another person who was not able to answer my question so the girl said she’d email some more info to me which she NEVER did. Further, I got a customer service survey which I completed as having a very negative experience with both situations and again no response. Doesn’t give me a lot of confidence!!
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5

out of 5

POSTED: | BY: Tim M

fabulous service

The ease of submitting a claim online was second to none.
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5

out of 5

POSTED: | BY: Tiffany B

Embrace canceled my policy easily and…

Embrace canceled my policy easily and refunded me a portion of my premium when my pet passed away. It was a comfort because not only did my best friend die, but I had expenses connected with his end of life care. I will definitely come back when I get a new dog.
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5

out of 5

POSTED: | BY: Taffy

Simple & Fast Claim Processing

Embrace Pet Insurance has always made getting my claims processed very easy. Way easier than dealing with human insurance companies!
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5

out of 5

POSTED: | BY: Norma Licea

Great website and user friendly

Great website and user friendly, claims are processed in a timely manner :)
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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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