Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Lee

indifferent, incompetent adjuster/process

I filed a claim on September 16th of 2022, and finally received a meaningful response yesterday, January 19th 2023, but only after I cancelled my policies with Embrace. Despite my sending a number of emails explaining the situation, the adjuster at Embrace failed utterly to respond, process or explain what was going on with my claim for five months. The adjuster also was unable to acquire the records from my current vet, despite my being able to get them via email within an hour of requesting them. I see absolutely no point in having insurance for a dog if the company either fails to process the claim in a timely fashion, keep the customer informed of what is going on and acts proactively to keep the ball rolling. None of this happened.
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5

out of 5

POSTED: | BY: JohnQ

Have always had great response time and…

Have always had great response time and service from Embrace. Have recommended them often.
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5

out of 5

POSTED: | BY: Michael Sullivan

Customer service helpful and quick claim

Customer service helpful and knowledgeable. Very fast reimbursement. Approx 1 week from time of claim.
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5

out of 5

POSTED: | BY: Casey Kessler

Embrace has given us peace of mind…

Embrace has given us a peace of mind for the last 9 years. Last year when out dog had to have surgery, Embrace really came through for us. They covered more of the costs than we had even anticipated, made submitting claims a breeze and were always so pleasant the few times I called them. I would highly recommend this company.
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5

out of 5

POSTED: | BY: Stacey Ferreri

They have really been quick and easy as…

They have really been quick and easy as of the present. In the past have had some issues, but lately they've been on it!!
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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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