Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: Pac10ten

She was very helpful and very polite

She was very helpful and very polite. I enjoyed the little conversation we had during the process of upgrading my insurance policy.
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5

out of 5

POSTED: | BY: Kerry

Easy submission and fast turn around.

Easy submission and fast turn around.
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1

out of 5

POSTED: | BY: Jessica Muise

Delaying Claim Payment

I have a claim in for oral mass surgery and GI issues - they are sending for review and getting records. The cost was over 1800. I’ve barely used the insurance since I’ve had it for the last 3+ years for my pets. And they say it can take up to 30 business days. I even didn’t use my wellness one year for 2 pets that’s over 500. Pretty disappointed in Pet Embrace. I thought they’d be there when you need them. Now feeling like they are trying to find a way not to pay.
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5

out of 5

POSTED: | BY: Doug Denniston

Outstanding Pet Insurance – Truly a Lifesaver!

Outstanding Pet Insurance – Truly a Lifesaver! I cannot say enough great things about Embrace Pet Insurance. From start to finish, their service has been exceptional. Submitting claims is incredibly easy, their team is prompt, courteous, and thorough, and reimbursement comes quickly without any hassle. They genuinely care about pets and their families, and it shows in every interaction. Thanks to Embrace, I was able to provide top-tier care for my dog without worrying about the financial strain. The coverage is comprehensive, the policies are transparent, and their customer support is second to none. If you’re on the fence about pet insurance, do yourself and your furry friend a favor – choose Embrace. It’s one of the best decisions I’ve ever made.
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5

out of 5

POSTED: | BY: Hugh McStay

This was my first time using the claim…

This was my first time using the claim process. it was very easy to navigate thru the screens & submit a claim.
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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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