Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Aaron Pate

So far so good for the 1st claim

So far so good for the 1st claim. The claiming process instruction is a bit lacking as my vet does not shown up in the drop down option and I have to call the support hotline to figure out how to create the claim (need to select unknown vet). It took a bit longer since it is the 1st claim after i purchase the insurance as it need to complete the initial medical history evaluation process first. But after that medical history details was provided by my vet, the claim being processed within 7 business days. I am happy so far.
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5

out of 5

POSTED: | BY: Leah Emerson

Peace of mind

Embrace offers a degree of comfort when dealing with stressful pet emergencies. Knowing I can do my best for my fur kids and have some support is priceless. Submitting claims is a straightforward process. Thanks Embrace!
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3

out of 5

POSTED: | BY: Patricia Silensky

UNACCEPTABLE WAIT TIMES

The great thing about Embrace is that their customer service staff is always a pleasure to deal with. HOWEVER their wait times on the phone are up to an hour & also they are not processing claims nearly as quickly as they did when I first signed up with them years ago. Frequently there is a very long wait to receive my reimbursement. Often this necessitates my making several calls, more hold times, requests for me to contact my vet for new documentation, & having to submit documents which have already been submitted. Embrace you could sure do a lot better.
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5

out of 5

POSTED: | BY: Shelby L. Shoop

Submitting a claim is easy as pie

Submitting a claim is easy as pie! Even if it's not your regular vet. Love this company. This is my 2nd pet with Embrace.
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1

out of 5

POSTED: | BY: terri

Buyer Beware, Read Fine Print Of Insurance Grift

Read fine print. They bundle a lot of expensive stuff under "wellness." My kitten was spayed at our private vet. It cost me 1200 dollars out of pocket. They have denied any coverage because they only allow $250 of "wellness" claims per year. What the actual... feline? Spay and Neuter is the most important thing we can do for our pets and it's considered "wellness" therefore, a pet owner can only claim $250/yr. Much like human health insurance, this is a grift. Buyer beware.
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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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