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.
2

out of 5

POSTED: | BY: Shari Goscinak

This was a disappointing experience

This was a disappointing experience. The process took a month. I've also learned I was given wrong information when creating this account which could potentially cost me more than $1000 down the road. Lack of training on their part will cost me. New members call back and review your chosen plan with several people before finalizing. Make sure you spoke with someone that knew what they were doing. They love to argue with you, which is the poorest is customer service.
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4

out of 5

POSTED: | BY: Donna Brancheau

It was easy to submit a claim once I…

It was easy to submit a claim once I found how to do it by using ChatGPT.
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3

out of 5

POSTED: | BY: Greg Browning

It has been extremely difficult to get…

It has been extremely difficult to get my claims approved. I have been going back and forth, submitted all the required documents (including previous vet S.O.A.P notes) and still no response. It's a bit frustrating because not only are we paying for the insurance policies, we're paying vet bills as well.
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5

out of 5

POSTED: | BY: Eileen Stensrud

EASIEST CLAIM FILING EVER!

After dealing with insurance companies for humans, this is amazingly easy. My claims have all been handled quickly and efficiently! Would highly recommend Embrace to all pet owners.
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4

out of 5

POSTED: | BY: Constance Rose

Customer service

I am new to this insurance but it is very good so far!
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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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