Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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.
2

out of 5

POSTED: | BY: Dakota White

UNHAPPY customer

I have been extremely frustrated with my Embrace experience. I sent them my pets medical histories in December 2022 and they confirmed via email they had been received; however, upon subjecting claims for both of my dogs between February and April, they put my claims on hold after 30+ days due to not having pre policy medical records. When I inquired about the discrepancy between the confirmation email I received in December versus the new communication, all I got was the run around. I was charged interest on my credit card twice because of the delay in process. They also provided a fax and email address for claims documents to be sent and upon faxing, they stated nothing had been received. At the end of these policy periods, I will definitely NOT be renewing with Embrace. It has been such a headache and so frustrating!
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5

out of 5

POSTED: | BY: Michele Taliaferro

Great service

Great service! I recommend it to all pet owners
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5

out of 5

POSTED: | BY: Katherine

easy to use and makes claims quick to do

easy to use and makes claims quick to do
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5

out of 5

POSTED: | BY: Jean Snell

Claims were processed timely

Claims were processed timely
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5

out of 5

POSTED: | BY: Yaroslav Aristeiguieta

It is very easy to file a claim through…

It is very easy to file a claim through their app and get messages about how your claim is progressing.
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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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