Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: customer

I was happy that my claim was processed…

I was happy that my claim was processed quickly and that the insurance did not contest the treatment for our very sick cat who, happily has recovered.
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1

out of 5

POSTED: | BY: Kayla Zaetz

Every email I sent went unanswered

Every email I sent went unanswered , and I made sure to email the correct email. A normal vet visit was denied on a claim. I would say embrace is only worth it if you have a young healthy pet otherwise they will find a way to relate every visit to a preexisting condition
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5

out of 5

POSTED: | BY: Anna M

Simplicity of Filing Claims and Speedy Resolution

Filing the claims for my cat’s three emergency vet visits was incredibly simple and quick. I truly appreciate the ease in supplying the information / billing statements and just clicking submit afterwards. The evaluation from the Embrace team was also very speedy and required no involvement on my part. Overall, I had an easy time filing my claims and receiving an outcome.
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3

out of 5

POSTED: | BY: Customer

Love Embrace BUT those pre existing condition exclusions….

I love our Embrace Insurance coverage but do take issue with their ( and I’m sure everyone else’s) stance on existing conditions. I understand the concern but to not cover an animal in need at all due to a pre- existing problem is unfair to the animal and to us pet parents. I suggested a lower coverage amount or an option for us to pay extra for such conditions but I doubt my suggestions will be taken seriously just due to way insurance operates!! It would be excellent if Embrace were the first company to institute such an option!!! You wanted my opinion!!!
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5

out of 5

POSTED: | BY: Ada Ko

I've been a customer since 2020

I've been a customer since 2020. While things were pretty quiet the first couple years – no claims, no issues – the past year has been a challenging one, health-wise, for my aging cat. Having insurance has helped immensely in that it makes it so much easier to say 'yes' to getting kitty the best care possible for as long as she wants to stick around. The online system for submitting claims is easy to use and claims are processed quickly. We have insurance for our younger cat as well. I don't expect to need it anytime soon, but it's great to have peace of mind that we will be able to get her the best care we can when it's needed. I've recommended Embrace to friends with pets.
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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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