Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,890

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: Maria Rodriguez

Great experience so far!

The response from embrace has been amazing so far! I was hesitant due to some reviews but im glad I signed my pets with this insurance. So far the claims have been processed really fast.The breakdown statements and app settings make the information and overall experience enjoyable and easy to understand.
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5

out of 5

POSTED: | BY: janet sgro

Excellent and easy

Excellent and easy. Best yet.
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5

out of 5

POSTED: | BY: Danielle Atkinson

Easy to file a claim and paid out…

Easy to file a claim and paid out quickly!
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5

out of 5

POSTED: | BY: ginger

Extremely satisfied customer!

I adopted a puppy and purchased Embrace pet insurance in Jan '23. From Apr 5th through May 9th, I submitted 3 claims, May 9th being surgery. On May 11th, all payments were deposited into my checking account! It took a little while to get the 1st claim going as they had to go through verifications and history with my vet. I was being kept informed of the progress throughout the process. I was quite shocked and impressed that I was reimbursed for the surgery 2 days after it was performed! Their telephone customer service is phenomenal as is their update communication via email and portal. Thank you Embrace !! Like Share
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2

out of 5

POSTED: | BY: Alan Yamamoto

The 'Provider Invoice' screen is broke

The 'Provider Invoice' screen is broke! It took me an additional 1-1/2 hour to upload six invoices...way too long. This same problem existed the night before and I was told earlier today that the problem was fixed. It's not fixed. Signed, 'Disappointed'
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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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