Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Tracy Milligan

The claim process was seamless

The claim process was seamless — I received pre-certification within minutes. My French Bull dog suffered an acute allergic reaction and had to be rushed to the ER vet. Due to the severity, he needed an overnight stay, but knowing that Embrace covered the cost was incredibly reassuring. He’s doing fine now!
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5

out of 5

POSTED: | BY: MA in Palm Coast

Quick, Easy and Fair

Submitting claims and receiving reimbursements is quick an easy. Evaluations are fair.
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5

out of 5

POSTED: | BY: Bonnie Lorson

I have had multiple claims in the past…

I have had multiple claims in the past 4 years for my cockapoo , Kelsey. I have never had any problems getting my payment. I am so happy I purchase this insurance if not I would be very hard pressed for money to pay for her to have care.
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2

out of 5

POSTED: | BY: Elise P

App is broken

App is broken. Spent a long time attempting to file my first claim and finally was able to do so on the desktop app. I had Pets Best in the past and may consider switching back to them because it’s very glitchy and there isn’t a way to upload anything under the wellness plan. The interface with Pets Best was easier and they had a working app.
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1

out of 5

POSTED: | BY: Mary Ann Romero

Takes too long to get paid

Takes too long to get paid. Too automated.can’t talk to a real person all the time
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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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