Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Leland Meekins

Quick and efficient - will definitely use again

Embrace processed our emergency claims quickly and the refunds were deposited to our account without issue. We had initially paid for a year of coverage for our puppy but after an unforeseen tragedy, we had to euthanize him after 2 months. Embrace was extremely sensitive about the horrible situation and refunded our policy for the prorated amount. We will absolutely use them again in the future.
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5

out of 5

POSTED: | BY: Kristen Cichowicz

Kind and Helpful

Embrace reps were very kind and helpful. Offered condolences on loss of my Bella and sent beautiful card.
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1

out of 5

POSTED: | BY: Savannah

Unhelpful and Untimely

I have received conflicting information from Embrace all year long on what is needed to process my claims. Literally, this has been going back and forth for eleven months. After providing the documents requested, my claims are still placed on hold due to "insufficient information". When I call back, they have more documents that they are "unable to obtain" from our vet. However, when I call my vet for said documents they are efficient and agreeable in getting me what I need. I asked one of their support people if they ever tried calling our vet instead of sending automated emails and she said "only after multiple failed attempts or if the customer asks us to"..... Seems like their end goal is to let all of your claims time-out so you can't get reimbursed. I've cancelled my policy and I'm switching to Trupanion like my vet initially recommended.
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5

out of 5

POSTED: | BY: Daniel B.

So glad I got coverage through Embrace!

I got insurance hoping I wouldn’t have to use it. But an accidental step on my little kitten’s leg ended up costing thousands in vet bills. It was easy to submit a claim to Embrace and they worked to get all the information needed to process it. I was reimbursed according to my policy promptly so I hardly had to worry about how to pay off the bill. I’m really grateful it was easy and fast. I’m happy to know my kittens are covered and that I don’t have to worry about a serious financial burden.
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5

out of 5

POSTED: | BY: Christine Gardner

Embrace was quick, fair and easy to use

The ease of filing a claim and Embrace quick response were amazing! That I recieved the claim pay out so quickly was just inspiring. Other company's should learn from you!
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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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