Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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: GOGO's mom

The claim was processed much more…

The claim was processed much more efficiently than I expected Embrace would do. Thank you so much.
1

out of 5

POSTED: | BY: D Collins

Buyer beware

In over 2 1/2 years I was reimbursed only $129 for all vet bills. And paid over $2500 in premiums. Raised the premiums every year. Not to mention had to pay thousand of dollars in vet bills. Everything is preexising. My fault for not cancelling sooner. Buyer beware
5

out of 5

POSTED: | BY: Rachel Zion

First time user with a new puppy.

I am a new puppy owner and this is the first time I have ever had pet insurance. Took my puppy to the vet and then within 2 days sent the bill to Embrace. Everything was reimbursed even the taxes! Vey impressed with this company and how they keep their word. It was easy and a pleasure to deal with them.
5

out of 5

POSTED: | BY: Karen Rosa

Excellent system

Processing claims is easy and very efficient. They keep records of past diagnosis and medications and make updates seamless. They also process the claims very quickly and fairly. This is my third year with the company and I am very happy with the service.
2

out of 5

POSTED: | BY: AD

Each time I try to submit a new claim…

Each time I try to submit a new claim online, I go and select my vet and the app shuts down. This has been happening for months. I deleted the app, redownloaded, same problem. I mentioned this issue back several months ago to a representative (since I had to call) and they said they would pass it along. Not sure that happened. I also cannot just view my documents in the app, they have to be downloaded. With the amount charged for pet insurance, I would expect some better tech behind the digital experience, including the new claim experience. Something like that should be available on the app and not continuously crashing the app.

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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