Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,329

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.
4

out of 5

POSTED: | BY: L.Johnson

Embrace Pet Insurance is great

Embrace Pet Insurance is great. We are quite pleased so far after being a client for over a year. Some things could run smoother however, such as claim forms being more detailed, and claim processing time being less. Should have claim forms for accidents, and a separate one for illness. The Wellness Policy is fantastic. It takes care of my pet grooming and medications. THANK YOU EMBRACE PET INSURANCE.
5

out of 5

POSTED: | BY: James Marcinkowski

My cat Bella required several medical tests.

My cat Bella required an Ultrasound under sedation and a biopsy also under sedation as well as x-rays and bloodwork. All this was covered under the policy and deposited in my bank account very quickly. Very good customer service. The policy saved me several thousand dollars in medical fees. I was very impressed.
5

out of 5

POSTED: | BY: Jennifer Gosselin

A BIG THANK YOU TO EMBRACE PET INSURANCE!!

My 3 year old GSD decided to swallow a pretty large piece of a Kong plastic toy. He became very ill and needed emergency surgery. We knew that this was going to be very expensive. He stayed at the hospital for 2 nights. The claim was submitted when he got home later that night. The next morning the Embrace representative emailed me that the claim was processed and approved and the funds would be in my account in 2 business days. We could not believe how quickly and efficiently the claim was processed! We highly recommend this company and cannot say Thank you enough for taking the worry out of this very stressful situation.
5

out of 5

POSTED: | BY: Gabriela P.A.

Making a claim

The process of making a claim is fast and easy with the new program. All I have to do is input my invoice and the diagnosis my babes vet gave me and done. I wait for a response and then receive a reimbursement within a couple of weeks, one less worry! If something goes wrong I give a call and all representatives have been nice and informative. I am very grateful for choosing embrace!
4

out of 5

POSTED: | BY: KC

first-time user of pet insurance

I have just started using this pet insurance - or any pet insurance - but for the most part I have found their claims process to be reasonable and as expected. They do take into account pre-existing conditions in a logical manner and they do give credit where credit is due. I had a lot of appointments for my pet already and I used up the deductible, in which case they did quickly send me a check for the amount over my deductible. They were a bit slow at times, due to COVID delays, but otherwise receptive, professional, and friendly - and like I said, the check came in the mail quickly.

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 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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