Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,045

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,045

Updated: April 16, 2024

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: Caressa G

Speedy Reimbursement & Great Wellness Plan

This was my first claim and my first experience with Embrace. Excellent communication through the process, and extremely speedy processing of the claim. The claim was processed and completed the day after I submitted & sent to my bank via direct deposit. The wellness plan is excellent, and the direct deposit option helps speed things up. Thank you!
5

out of 5

POSTED: | BY: Peg

Pleasantly surprised with

I admit to being skeptical, but I have been pleasantly surprised with Embrace. No 'hidden' costs, prompt service both in email and on the 'phone. Pretty easy to understand. I would suggest a few more details on the claim forms - maybe on back side have examples of what Embrace expects Veterinarians to write on form. Also a reminder that on your first visit after signing up - to BRING the orthopedic waiver for vet to fill out - to save on a second trip.... Still overall, I am pleased.
5

out of 5

POSTED: | BY: Karen Epport

Embrace "Embrace Pet Insurance" -the best!!!

I got Embrace for our rescue pup after it was recommended by our vets and after having a different pet insurance for our beloved dog who passed away. Embrace has been amazing in their handling of claims. There is no comparison with the other insurance in terms of their promptness, fairness, and ease of filing. I would highly recommend Embrace- our four legged family members deserve the best and Embrace is it!
5

out of 5

POSTED: | BY: Sydney

Claim Review

Very impressed with initial notification confirming receipt of claim and then follow up e-mails regarding status of claim. I have been very happy with the service we have received thus far. Thank you!
4

out of 5

POSTED: | BY: Candy Pantano

AFTER an initial glitch,excellent support

Customer support was excellent aften an initial glitch with the rep who first spoke to me about the trial period vs new contract dates. After I sent in my claims, I very quickly received email responses. You can also follow your claim status online on their website.
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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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