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: Lisa Snively

So kind during a difficult time…..

I had to cancel my coverage because our sweet little guy passed. Not only did Embrace quickly review and pay out my claims for Charlie’s final vet visits but the woman (Dana) I spoke with about cancelling my pet insurance coverage was so sweet and kind when I told her why I had to cancel. This was the first time I’ve used Embrace. When we’re ready for a new family member you can bet I will sign up again!
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5

out of 5

POSTED: | BY: Tracy Carpenter

So Grateful

Embrace has been soooo wonderful to work with! Our boyo had no pre-existing conditions, and we have had everything covered. The wellness plan is awesome. Advice... get good and high coverage when you first adopt! As he ages, expenses go up and we are likely to hit our max every year from here out.
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1

out of 5

POSTED: | BY: Adina Miller

App and Website error messages indicating submitted claims are not processed

App bounced me out on my phone. Said it was "unresponsive". Website gave me an error message that indicated it wasn't able to process the claims and apologized for inconvenience. I am tech savvy and the website is not user friendly. I tried multiple times to submit claims. The claims I have submitted are listed "on hold" and I keep submitting required invoices and they are still listed as such. 8 or more are pending. After 3 hours, I emailed per the website and am waiting to hear about next steps.
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5

out of 5

POSTED: | BY: Marilyn Carey

Great company

Great company. Always responsive and helpful.
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5

out of 5

POSTED: | BY: Regina Rached

So far working with Embrace has been…

So far working with Embrace has been phenomenal. They are super helpful, approve most claims very quickly. I haven’t had any issues. Thank you!
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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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