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.
3

out of 5

POSTED: | BY: Lynn P.

Really long hold time for customer service!

Called for general customer service and was on hold for 17 minutes. Very off putting for a relatively new policyholder.
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2

out of 5

POSTED: | BY: Jan Evans

Something shady is going on

Something shady is going on. They keep posting that they’re having technical issues. I used to submit a claim and it took less than a week. Now, they can barely find submitted claims. I smell a lawsuit!!!
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2

out of 5

POSTED: | BY: Ray

There asking my opinion on them and it…

There asking my opinion on them and it takes a month to receive my claim? Been with them 6 months now and made my payments on time. I was told by someone they had this insurance company and the never approved her claims. I’ve had other insurance company that paid within 4 days.should have stuck with them. I gave 1 star cause I could understand them
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1

out of 5

POSTED: | BY: Carol Moyer

It has been over 6 months since I wrote…

It has been over 6 months since I wrote my original complaint. I read some of your messages and yes the staff is pleasant. But I want to be paid. In addition, they said they would have someone contact me immediately after my review. Never happened.
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1

out of 5

POSTED: | BY: customer

very bad service they can not solve my…

very bad service they can not solve my claim I already sent them everything they ask me and it is as if they ignored me what a bad service
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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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