Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: heleln Scott

Amazing service

Amazing service! I have never had an issue in 3 years! Thank you! Embrace Pet Insurance!
5

out of 5

POSTED: | BY: Jacqueline Patsouras

Jacqueline and Joel helped a lot

Jacqueline and Joel helped a lot. I had to update my card because my card that I had on file had gotten hack. Always have wonderful experience when contacting Embrace everyone is so great
5

out of 5

POSTED: | BY: Scott Silver

I agree this is a great pet insurance…

I agree this is a great pet insurance company. Easy to submit claims, fast review of the claim, and quick turn around time on sending out funds. The invoices need to be for a single pet at a time, but once you are aware of that, it is a very smooth process
4

out of 5

POSTED: | BY: Troppa

In a shocker, the site suddenly didn't work when I went to submit my claim

*Update to the below: I tried again a few hours later, and it still didn't work. I will admit to being extraordinarily frustrated at this point. That said-there is good news. When I got to my office this morning, I tried a fifth time, and it got through. I can't speak to if they are going to cover it or not, which I'll update if they do or don't, but at the very least, it seems whatever issues they were having with their submission portal have been fixed and my claim was able to be submitted. I've upped the stars to four on the basis of functionality; now lets see if the insurance I've had for seven years turns out to be honorable and legit. I did check my coverage (injury/illness) and I should be ok. Previous Experience: I have had them as pet insurance for more than five years and have never submitted a claim. I tried to submit my first claim this evening, three different times, and each time when I got to the "submit claim" portion the website would mysteriously stop working and say something was wrong and the claim could not be submitted, even though every other part of the process worked just fine. It feels like a delay tactic, like every insurance company ever-they do this kind of thing in hopes that the person filing the claim will just give up and not bother. I'll try again tomorrow, and if the site mysteriously stops working at the submit claim step yet again, I'm going to be fairly angry. This is what insurance companies do-deny, deny, deny. I really hope this doesn't turn out to be yet another insurance company scam.
5

out of 5

POSTED: | BY: Mama cat

Embrace- very impressive!

My pets have been covered by Embrace pet insururance at least for the last 7-8 years. They process claims very fast & they contact the vets office themselves to obtain the record too. I am very impressed by them. You cannot go wrong with Embrace. I am grateful they offer honest business unlike some other pet insurance businesses.

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 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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