Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Diane Reeves Gulbas

I have been with Embrace for at least 5…

I have been with Embrace for at least 5 years, maybe more, and am continually impressed with the ease of submitting a claim and the prompt turn around time; I wouldn't entrust my fur babies to anyone else!!!! Awesome!!!!!!!
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1

out of 5

POSTED: | BY: customer

I hate writing bad reviews!

I hate writing bad reviews because it's so subjective. I will say this, I canceled my fur baby's plan because we did nit benefit from it in ANY way. Every time we submitted a claim, it was denied due to pre existing thing's.... But every time we took our fur baby to the vet.It was obviously for a new issue and not something preexisting.
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5

out of 5

POSTED: | BY: Michele

Best pet insurance ever

Best pet insurance ever! Love the app and the representatives are so friendly, helpful and efficient. Seamless claim submission process! The only feedback to add is to add the option to upload pdf using the app.
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5

out of 5

POSTED: | BY: TAK

Great Customer Care

The customer service department of Embrace Pet Insurance is well-trained and empathetic. Overall, I find their coverage to be good. They are always available to answer questions, and they are continually improving their website and app to make it easier to submit documents. I am on my third pet with Embrace. I would highly recommend them. They are not cheap, and prices go up annually, but it is good to have insurance when big bills come up.
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2

out of 5

POSTED: | BY: Carla

Not great. Long waits, no company accountability

The past few months I have experienced extremely long wait times, repetitive meaningless emails that give incorrect information about why my claim is being held back, and no accountability from the company on the lack of resolve or communication in the meantime. Prescriptions that I have submitted for years and years are suddenly having issues with refunds, and it’s taking more and more of my personal time to get these issues resolved. I honestly wouldn’t recommend this company anymore, and I used to work for them. 😕
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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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