Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,347

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: Sandy Biggs

On line portal is the worst

On line portal is the worst. Can't sign in most of the time service not available. Been trying to change my coverage for 3 days.
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5

out of 5

POSTED: | BY: Jen

Great company, great experience

I can’t say enough good things about this company. We’ve been with Embrace from the time we picked up our sweet puppy almost 13 years ago. Our dog had many health struggles during his life. These struggles were easily maintained but it required annual blood work and X-rays, as well as daily medication. Embrace covered these expenses no questions asked. Towards the end of our dogs life he developed Congestive Heart Failure. This required an overnight stay in an emergency hospital, ultrasounds, EKG, seeing a heart specialist, and many new medications. Because of Embrace, we didn’t have to worry about the financial cost to save our dogs life. Embrace covered all the bills, specialists, pills, etc. Because of the treatment we were blessed with 11 more months with our sweet boy. This company does everything they promise. Claims are easy to file and pay outs are quick. You can track everything from their app. If you are considering pet insurance for your animal please look no further.
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5

out of 5

POSTED: | BY: Renee Gentry

WellSystem Down- But Problem solved !

Well, the customer service operator I got told me the system was down so she couldn't pull up my documents . But she told me to send the last invoice for My Ginger Gentry in the EMBRACE app: Send Documents, which I did Last Friday after speaking with Brittany. Very nice, personable .
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5

out of 5

POSTED: | BY: Stephen

Easy to use

Pretty easy to upload a claim. I haven't received my first refund check, but I was told that it's on the way. Straightforward user experience. Very simple.
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5

out of 5

POSTED: | BY: Ethan Dark

Submitting a claim is super easy

Submitting a claim is super easy, and they process claims really fast.
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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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