Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Anne

Exceeded expectations

First time I’ve had pet insurance, and the first claim has been submitted. Within a day it was completed. I was stunned. Interactions with customer service has been wonderful too.
5

out of 5

POSTED: | BY: Paul Moore

Awsome company to do business with

Awsome company to do business with. Saved me thousands of dollars
5

out of 5

POSTED: | BY: Jacqueline Patsouras

Is the best pet insurance and everybody…

Is the best pet insurance and everybody is so nice. Very informative and with every question or concern they are eager to help and answer all the questions . The best place and people who are employed there.
5

out of 5

POSTED: | BY: Reb

So easy to submit claims

So easy to submit claims . The website is great . This is a great insurance company for your pets . Fast response - no run around . We love Embrace
1

out of 5

POSTED: | BY: Rosemaria M Paravicini-Epstein

Paying Claim Rating...0 STARS ...NOT HAPPY

Not good at ALL with TURN around time on payments. Had to keep calling to see if they got records after VET DID send..they say they never get records. Called numerous times to keep informed of investigation. Went in 2021 to Blue Pearl only for a second opinion and was only time Bella was there. This is 2024/2025 and they STILL want records for this VET!!!!!! There is NOTHING TO TELL YOU FROM THIS VET!! Bellas' VET is FAMILY PET CLINIC #2. Talked to a service rep and did not know his/her job. Asked to speak to a supervisor rep was not happy I asked for Supervisor. Told me that he could do what the Supervisor would do. This claim Finally got settled through the good graces of Shelby a Supervisor. Now March 3rd had to take Bella to Vet again she woke up and could not use her back legs or walk. Diagnosis was Arthritis of the spine and some in the knees. Put on anti-Inflammatory med, recheck in two weeks. March 17th recheck for Bella and given a vaccine shot. NOE with these two claims having the same trouble. They are waiting to hear from Blue Pearl too!! LIKE I SAID! This was for a second opinion in 2021!!!!! She has not been there since, or I hope she does not have to return her, because if she does this would be for a SERIOUS ILLNESS! I have written on the FRONT of the Invoice I sent that She only goes to the above VET. Family Pet #2!! Hope my claim gets settled soon Now it is March 20th waiting for a claim from March 3rd and March 17th. I have had another insurance for Bella and NEVER had any trouble like this. The adjusters are not on top of things here. Just post an e- mail. Never calls to reach out to customer. I have put plenty of calls into Embrace. One thing I can say the Marcey, Morgan, Dillon, Danielle and Tyler, have tried to help from Embrace it is the adjusters lacking something!! Right now, not happy with Embrace!

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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