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.
5

out of 5

POSTED: | BY: Robert Graus

Embrace is an exceptional site for pet…

Embrace is an exceptional site for pet insurance. Their services are relatively inexpensive and their answer and payment of claims is exceptional.
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5

out of 5

POSTED: | BY: Bill

Easy submission

Easy submission, walks you through it step by step.
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1

out of 5

POSTED: | BY: Liza Stout

Complete scam and you are left heartbroken

Complete scam, they will find any reason to make anything that comes up for your dog a preexisting condition. My vet was in shock by their conclusion to our case and even wrote notes and letters to them that they said would help. They didn't and continued to run me in circles around the company to keep my hopes up that they would help. I see now that was a tactic to continue to collect money from me. I had such an awful experience I am thinking of leaving USAA for my car insurance as well.
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1

out of 5

POSTED: | BY: Shrikant K

Used to be good, no more!

Embrace has been pretty decent with their turnaround times for claims in the last year. But after renewing my policy this year, they have been refusing to process any new claims. They keep asking for more medical records from vet visits despite having provided them with ALL the records from ALL past visits. What's most puzzling is why they need records from 2022 again for vet visits from 2023? They already have those records from the 2022 claims. This just seems like a lazy excuse to not honor their end of the insurance contract. It appears that the quality of the "claims adjusters" has dramatically declined. A silver lining is that the customer representatives are still nice, but it takes an eternity to get hold of one! I'll update this review if anything changes, but after over 2 months of going back and forth over the claims, I don't have much hope from this company.
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5

out of 5

POSTED: | BY: Whitney Hill

If I could give this more stars I…

If I could give this more stars I would! Exceptional people and customer service. My dog had issues going on for three months, up until she crossed over the rainbow bridge. They handled my claims within a few days and reimbursement was right into my account few days after that. 0 issues. Whenever I had questions or needed paperwork they sent it over right away, and everyone was always so kind, empathetic and understanding on the phone. I recommend this company to everyone!
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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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