Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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.
4

out of 5

POSTED: | BY: JAN W

Claims are easy to submit but take a while

I find the system Embrace uses for claims is very simple. The website is wonderful and intuitive as well. The one issue would be the length of time needed by Embrace to perfect and pay a claim and hence why I gave a 4-star rating. It took over 30 days which seems like an extended time. Other than that, all very good!
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5

out of 5

POSTED: | BY: Christa W

Glad I have Embrace Insurance

When I brought 2 1/2 year-old PB home in 2017, I immediately wanted to get pet insurance on him. Embrace insurance had good reviews and when I read their policy, I liked what they covered. I purchased their accident/illness program and their wellness program and I have never regretted it. A couple of years went by and PB developed grade II elbow dysplasia and a cervical problem. He also has a bad habit of eating anything he can get his mouth on. This has required some emergency hospitalizations. It was such a relief that affordability did not have to play a part in the decision in his treatment. Embrace insurance has covered everything that I have expected them to cover in accordance with their written policy. The claim filing process is very easy and the turnaround time for reimbursement is great. I have never had it take more than 2 to 3 weeks to get my claim resolved and money deposited and usually it’s done within a week. Their communication is great and their customer service representatives are fantastic. When I contact them by phone, they have been kind, thorough, knowledgeable, and helpful. Their wellness program is also more comprehensive than others I have investigated. The premiums do go up every year; however, older dogs can develop more problems as they age and veterinarian prices have gone up significantly in the recent years. I highly recommend this insurance for your fur babies. Thanks Embrace!
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5

out of 5

POSTED: | BY: TRAYCE CLARK

Embrace has had my babies insured since…

Embrace has had my babies insured since they were 3…now they’re 9! First time I’ve had to use for illness, but it was simple to file claim, and completed in a timely manner.
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4

out of 5

POSTED: | BY: Barb ODonnell

Filing a claim was simple process

Filing a claim was simple process. Unfortunately, cost of coverage is much higher than other highly rated pet insurance providers. Had to cancel as my plan jumped up 60.00 at time of renewal. Found a plan with same coverage amounts with awesome ratings for more than a 50% rate reduction.
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5

out of 5

POSTED: | BY: Janeen Bloyer

So responsive!

So responsive!! Claims are processed much faster than I ever imagined!! So easy to do on the app!!!
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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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