Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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.
1

out of 5

POSTED: | BY: Disappointed dog mom

Waited over three months for them to process a claim

When I first got my dog over two years ago I got embrace the exact same day. They said I had a 6 month waiting period and I needed to get a vet visit within two weeks to make sure he was healthy. I did that and I sent it in. Then in NOVEMBER 2023 I submit our first emergency claim. Embrace refused to process it because they needed ALL medical records since I “never visited the vet after getting the policy” I told them I did and I sent in all the paperwork and it even said in the doctors note that this visit was for insurance and then they magically said they found it and they would process my claim. They still didn’t and wouldn’t until I got the records from when he was 8 weeks old and still belonged to the breeder. Almost a month later they finally reimbursed me. Three months to process one claim? That was unbelievable and everyone else I have talked to about other companies said their claims were always processed in a couple of days. I was just very disappointed by their lack of professionalism and how they handle business.
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1

out of 5

POSTED: | BY: Eduardo Scortegagna

As with any or most insurances

As with any or most insurances, embrace tries to find reasons to reimburse the least amount possible. Not a surprise. Just corporate America being corporate America. Reply: they will go back to a wellness visit 11 months ago and try to find words to justify not paying for an acute symptom 11 months later. That's who this company is. Beware folks.
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5

out of 5

POSTED: | BY: Linda R

Good value for the money

Very fair price good coverage
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5

out of 5

POSTED: | BY: Donna Mosley

Awesome claims process!

Claim process was very easy. They were very informative during the process/
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5

out of 5

POSTED: | BY: Brian Carter

Super quick and fair

Super quick and fair
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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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