Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Anna

Hard to get claims paid

My cat had surgery to remove two teeth that were receding into the jaw bone. This is common with cats and results from damage to the root of the tooth after the gums recede for any reason. My cat also had her teeth cleaned along with the tooth removal. Embrace initially denied my claim because they said it was wellness only as a teeth cleaning. I appealed and didn't receive a response within the time frame they gave me so I called them to check on it. The representative I spoke to said that they had the response ready and it was sending soon. She said the response was a denial of my appeal because it was dental related and thus excluded. So I reduced my coverage to the minimums so o didn't forfeit my wellness balance. I got a notice the next day that they had someone review the outcome of my appeal and that they would cover the surgery, but now my deductible was $1000 because I reduced my coverage the day before so they only covered a small portion. It seems clear to me that they have a policy of denying or delaying large claims until the customer really pushes back.
5

out of 5

POSTED: | BY: Elisabeth

Quick and easy!

Thanks for helping pay my claims! It was a highly stressful time for us over 24 hours with my pup ingesting foreign objects. Embrace was quick and easy to help pay these claims!
5

out of 5

POSTED: | BY: Peter

Outstanding

I have had Embrace for my two pups for the past five years and they have been a real life saver (literally) for both. The claims process is easy and has become a lot quicker and the customer service ("embracers") are always super helpful. I can't recommend them enough and recommend them frequently to others.
5

out of 5

POSTED: | BY: Mindy

Great coverage and quick claims

I highly recommend this insurance. I love the wellness add on. That helps with the regular vet visits and meds. Unfortunately, we had to file a claim shortly after starting our policy. The reimbursement was a quick process, and they even followed up to make sure we received the check. The claim would have been even quicker had I already sent in the requested paperwork from the vet.
5

out of 5

POSTED: | BY: Jaydeep

So glad I chose Embrace for my 5 year old

Absolutely thrilled with their customer service and swift resolution of claims.
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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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