Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Susan Johnson

Very happy with Embrace for my dogs

I have had my dogs insured with Embrace for years now. They are fast and competent. I can do everything online, but they are easy to talk to if I have a question. I DID have a problem entering the diagnosis. It has happened in the past. I have to back up to the previous page and try again a couple of times but the software eventually gets there.
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5

out of 5

POSTED: | BY: Gulliver

Good response and timeline service

Easy to submit claim. Response rate is very good by email and confirmation of claim submitted. Reimbursements come in timely manner
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1

out of 5

POSTED: | BY: Joe Mac

WORST COMPANY IN THE WORLD …

They deny everything and request paperwork 6 or 7 times before they ever accept....THE ABSOLUTE WORST COMPANY I'VE EVER DELT WITH....
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5

out of 5

POSTED: | BY: Ruth Nelson

The Best of the Best

I've had Embrace since 2018 and have a difficult time when reading some of the negative reviews. In all the years I have been with them, I have yet to have a problem with any of my claims. There have been a few things that I was uncertain about coverage on a specific treatment, but if it wasn't covered (and there isn't much that Embrace doesn't cover) it was always explained. Say what you want, but if the price increases, your pet also gets older and more issues may arise. It doesn't matter to me what the cost is. There is nothing that I can put a price on when it comes to Cooper.
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5

out of 5

POSTED: | BY: Alfredo Uribe

Customer Service is Awesome!

The customer service is awesome and they reply in a timely manner on requests for reimbursement for insurance claims.
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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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