Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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.
2

out of 5

POSTED: | BY: Michelle

Customer Service is declining

I have never had a negative or poor experience with Embrace since I started with them 3 years ago. But recently I feel that their customer service department has declined with the service for claims or even responding to emails (which I have sent and never heard back from) I recently went through a claim process for medication under illness and it took just about a month and numerous calls to get my reimbursement. I had to reach out after 15 days and was not contacted except for them stating they reached out to the vet 10 days ago, if I did not call and complain (which i contacted my vet and received the information with no problem to forward to them and they still said they had not received anything so I had to call again) they would have closed both my claims without checking up on them and trying to make contact and them seem to put it all in my lap saying they notified my that the vet did not respond and they did not give correct info to me in the beginning about how to submit my claim. CUSTOMER SERVICE and turn around time needs more attention.
5

out of 5

POSTED: | BY: Susan

Keeping her with us, happy to the end

Our girl has (had) brain tumors . Treated with special radiation at.UC Davis, she now has a bone tumor 7 months later....with proper diagnostics, holistic and hospice, she is doing really well. thanks to embrace for helping us so she could get the radiation and now can get acupuncture, laser treatments medications and hospice care to keep her happy to the end..... we have been so grateful for embrace!!!
5

out of 5

POSTED: | BY: Tiffany

Highly Recommend

Great customer service. Prompt and fair review of claims. Affordable
5

out of 5

POSTED: | BY: Shirley

Life Saving

I have a dog that has had many issues unfortunatley. I don't know what we would have done if we didn't have Embrace. There staff is always pleasant and helpful when I need to call them.
5

out of 5

POSTED: | BY: Mary

Love Embrace and Embrace loves Pets!

I love this company! Very customer friendly and worth every penny!
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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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