Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,838

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,838

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: heather

No surprises

Embrace is a great insurance company because their terms are easy to understand and there are no surprises as to what is covered and what isn't. Turnaround time is fast and they're always there to answer questions. Also their website makes it easy to track your claim.
5

out of 5

POSTED: | BY: Alessandra

WE LOVE EMBRACE!

Choosing to get pet insurance was smart because we have a dog that has a weak immune system and ends up at the vet prety frequently. She is only 16 months but has had many health issues which could cause a financial dilemma for us. That stress has been alleviated because Embrace has covered every little accident and illness we have had after our deductable. I can not even put into words how phenomenal the service is. I never make times to write reviews; however, I felt compelled to discuss my feelings on Embrace. If you need pet insurance please stop looking. I did so much research about Embrace, I spoke to everyone I know with pet insurance and I am the only one with no complaints!! The best part is you get an email within 24 hours discussing your claim and they get back to you as soon as possible with the money due back to you after that. Now I get the money direct deposited in my account as well!
4

out of 5

POSTED: | BY: Natalie Johnson

Personnel is very easy to work with.

It would be better to have two separate claim forms for Wellness and Illness. I submitted claims for both Wellness and Illness on a single form for one of our dogs and it was confusing to the claims adjustor who handled it. It took 3 phone calls to get it corrected. I got my claims handled properly by the end and the personnel I dealt with were very friendly and helpful, but for future claims I am going to use a separate for for each category.
5

out of 5

POSTED: | BY: Carmen

Very satisfied

My almost 5-yr-old dog was diagnosed with lymphoma (cancer), and I am very satisfied and thankful that we have Embrace Pet Insurance for accident and illness and prescription coverage. I was relieved that we were able to transfer our dog's care to an oncologist of our choosing, and that Embrace covered the cost of veterinary care according to our policy. Once a claim has been submitted, I receive an email within one day of submission stating that Embrace has received the claim. Claims are processed within 1-2 weeks of submission. I really appreciate the wonderful customer service and professionalism that I've received from the Embrace staff! I am so glad that we signed on with Embrace to help us get the best care for our dog, and I have recommended them to others and will continue to do so!
1

out of 5

POSTED: | BY: Alan

rip off company

takes forever to get cash back and when my dog had a virous and diaria they would not oay for the meds she needed. said it didn't cover ear infections. But the meds where for her back end not front end. Same problem with insurance companys have.Some one that doesn't know whats going on. We will give people some of the cash and they will be happy! No wonder why people get lawers.Sorry about spelling ,i'm to upset!

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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