Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,770

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.
4

out of 5

POSTED: | BY: Jonathan Baker

Worth it

Overall I am very pleased with this company. They have good customer service, are easy to communicate with and they pay out when they have to. Not cheap but it’s not going to be cheap anywhere. For me it’s worth it.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Sun Culpepper

Ease of use

Easy to use portal to process claims and auto payment claims was also easy to set up.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Anupam Oberai

The initial submissions took a while to…

The initial submissions took a while to get done and it seemed like the same information was being asked for multiple times. I too am at fault as I wasn’t sure of their process. The invoice after that was smooth sailing. The response via email was always very prompt. I would certainly recommend them.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Tara McBride Capobianco

You always make it easy

You always make it easy! Thank you.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Elise Harven

Frustrating and Inefficient

The ultimate issue I've been having is, I have been very responsive to fix issues with my claim, but it seems like Embrace's system isn't very efficient. They're either not receiving my responses, emails, etc. or they're ignoring them. My claim is on hold after I've made multiple attempts to reach out to Embrace to fix the issue. At first it was an issue with my cat's name not being correct which I noted in the claim, responded multiple emails and finally got resolved. Now there's an issue that there was not a complete record of my pet's medical history and I submitted it through the site, responded through email, reached out to a customer service I had previously spoken all to no avail. I just called to try to resolve and Embrace's system is down. It has not been easy!
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review