Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Gary Rodriguez

Our Family

Our rescue cat recently became lethargic, not eating, drinking water or wanting to play. We have had her nearly a year now and she is a member of our family. We took her to the Vet to be checked out where they ram bloodwork. Within a couple of days we find that she had an infection among other issues that recently developed. She had to stay for 3 days in the hospital in which we were all sad and scared. I am happy to say that she is home now and back to eating, drinking water, playing and of course sleeping. I sent Embrace my receipts and invoices and they responded rapidly. All with explanations on everything. Thank you Embrace, you really took care of our family when we needed you!
5

out of 5

POSTED: | BY: Mark Beale

This insurance is a life saver

This insurance is a life saver. Claims processing was a breeze.
5

out of 5

POSTED: | BY: Edward Brauner

Very happy with this insurance

Very happy with this insurance, we have had three claims for our new puppy.The claims were processed within two days and paid right away.Well worth the cost.
1

out of 5

POSTED: | BY: Beth Mirsky

Another bad review

Another review Their canned response to unacceptable hold times is getting old No one wants to hear excuses- just find solutions The same goes for not responding to emails Yesterday I had time to wait on hold because apparently you can’t change your billing info online yourself It appears a customer can’t change their billing info themselves so I asked for help changing which I thought they had Unfortunately it wasn’t changed in time I did my research and found better coverage for less money so I’m switching BTW- sending my dogs customized gifts won’t keep my business due to rampant incompetence No surprise you’ve slipped from #1 to #4 Policy being increased almost $50 per month so now I’ll be paying almost $3000 annually
4

out of 5

POSTED: | BY: Marty Erwin

Wait Times Are Unacceptable

Embrace has always paid their claims promptly but recent phone calls have taken between 30 and 60 minutes to talk to a live person. This is just unacceptable. I would be ok if they would simply call me back but having to listen to the same jingle for 30 to 60 minutes is not a pleasant experience

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 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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