Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: David S

Complete trash and waste of money

Complete trash and waste of money. They never cover anything and just keep telling me to pay even more for a wellness package. Absolute trash. edit: no need to contact them again. I already have and they aren't helpful.
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5

out of 5

POSTED: | BY: H Hernandez

My boxer (Bruce Lee) swallowed a rubber…

My boxer (Bruce Lee) swallowed a rubber duck and needed emergency abdominal surgery to remove it. After receiving the bills from the vet and the emergency hospital, I submitted them online and received a reimbursement approval in less than two days. It was truly the easiest process I have experienced; one less thing I had to worry about while taking care of Bruce Lee as he recovered. Thank you again for providing such fast and great service!
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5

out of 5

POSTED: | BY: Oressa Shea

Billing experience

The turnaround was excellent! I was glad they still allowed my sending in bills for a claim. Not computer savvy to completely do claims on the computer. Thank you.
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5

out of 5

POSTED: | BY: Luke Jones

Embrace is amazing

Embrace is amazing! Great customer service. I had a pretty pricey pet bill. My Claim was approved within 3 days of filing. 3 days Later I received my reimbursement in the mail!
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4

out of 5

POSTED: | BY: Rich McElfresh

Great customer service. Terrible wait times.

I called in to cancel a policy on my pet who passed away. The representative was very kind, respectful, and did her job very well. I have zero complaints about the customer service. My only issue I have with the company is with the amount of time it takes to reach a representative. I sat on hold for 50 minutes. Not ideal especially when you’re grieving from a loss.
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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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