Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: 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.
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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.
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5

out of 5

POSTED: | BY: Jacqueline Stone

I just recently acquired pet insurance…

I just recently acquired pet insurance through Embrace for 2 Boxer dogs ages 5 & 6. I had never even considered pet insurance but my son relayed a story to me regarding his friend who's dog needed immediate surgery for an unsuspected injury. I decided maybe it best that I secure insurance as I've learned that anything is liable to happen without notice. I never thought I would even need to use it, but I was thinking it better to be safe than sorry. It wasn't but 4 months into my new policy that the unexpected and unfortunate occurred . My dogs were in a battle with a groundhog and the groundhog won. Both dogs sustained injuries some requiring surgery. Embrace made it easy to submit claims and everyone I have interacted with at the company has been outstanding!!
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5

out of 5

POSTED: | BY: Walter Durling

Prompt and Caring

Following a traumatic injury to my dog, Embrace stepped up and assisted me in filing my several claims. Each and every employee I spoke with was caring and helpful. I even received an Embrace "care" package as a thoughtful gift! All claims were promptly approved and reimbursement sent! Gotta love Embrace!
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5

out of 5

POSTED: | BY: Brenda Mottram

Best pet insurance ever

Best pet insurance ever. Never used when my lab mix was young except for wellness and claims always processed quickly. Now that he is 11 and is starting to have issues, Claims have been handled quickly. Would definitely recommend
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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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