Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Jodi Logan

This site is easy to use and your response has been timely.

I am very pleased by the timely response I have received.It a great feeling knowing if my pet has a accident I can afford to give her the care she needs. Thanks again!
3

out of 5

POSTED: | BY: Ashley Shane

Inconsistent Customer Service

Over the course of our time with Embrace, the customer service is inconsistent to say the least. The claims either go through without a problem, or we get notified that our claims are on hold because we haven't sent the right information after "multiple attempts" to contact us. By "multiple attempts" they mean we got an email saying they got our documents (standard), we got ONE EMAIL TWO WEEKS LATER saying they needed more information, then another email hours after the email requesting more information that our claim was on hold. First, this is unprofessional that it would take over two weeks for the company to notify us they need more information (and the email itself contained no letter head and looked as if someone just typed three sentences and mailed it just to say it was indeed mailed). Second, it is BAD CUSTOMER SERVICE to give us NO TIME to get those documents to you before we are notified that a claim is on hold. To add insult to injury, the claim is listed as "UNAVAILABLE" in the portal, so we couldn't even check the status of it in our account. The whole situation was handled badly and we, the loyal customer who continues to pay premiums on time and is still treated horribly like this, are left dealing with a sizable claim still not processed due to Embrace's incompetence. Improvements in claim processing to let us know if there was a problem with our documents within the 2-3 day window (the normal time to process a claim) need to be made. Additionally, customer service could improve their relations by ACTUALLY contacting us more than 5 hours before our claim is put on hold. Lastly, our claim should be expedited through the processing procedure to get us our money back as soon as possible since the mistake was on Embrace's behalf, however we have learned not to expect that level of service and consideration from Embrace, which is a shame.
5

out of 5

POSTED: | BY: Cesar Palau

Thank you Embrace for helping me help my best friend Milo.

Embrace has been great! I wish their Claim process took a little less time, but it makes sense that they want everything to be in order before reimbursement happens.
5

out of 5

POSTED: | BY: Aamir Masood

Absolutely wonderful experience & service

It has been a wonderful experience for us to have been engaged with Embrace for more than 2 years. The response time, feedback on our case(s), reimbursement process and communication methods (online, email, calls etc.) at Embrace are really high quality. Every team member works with us in a personalized manner, having knowledge of our dog's illness, monthly prescriptions etc. Our reimbursements are always made on time and the online system really helps us manage our overall experience with Embrace. One additional thing to highlight here is that we did a thorough review of all major Pet Insurance providers in the market and after a detailed analysis and comparison of all of their offerings, packages and price, we had chosen Embrace to be the best offering available in the market. We are happy to say that we made the "right decision" choosing Embrace and will do it again for other pets in the future. We have also referred Embrace to many of our friends and they are all of the same opinion about their level of satisfaction and experience. Well done Embrace Team! We thank the entire team at Embrace and appreciate all their support for the past years and future.
1

out of 5

POSTED: | BY: Sarah Kaminski

Buyer Beware

I was told the fact that my dog had a routine fecal smear at the time of his very first puppy exam meant that "soft stool" was a preexisting condition (his results at the time were normal, and the visit was a wellness exam). He was diagnosed with a food allergy a month after the cooling off period, but a claims adjuster emailed me to tell me that his soft stool was now a preexisting condition. I was informed of an appeals process, but it left a bad taste in my mouth that even a routine wellness exam can be twisted to avoid providing coverage that I am paying for. Avoid this company.

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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