Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Edward Clinite

Loss of value

Embrace has lost its value. We are researching other pet insurers and find a lack of options offered by Embrace. While not the most expensive insurance the coverage for the price is found lacking. Negotiating the Web/App is difficult and lacks transparency. We were unable to find our payment information and future cost easily. We have been with Embrace over 5 years. We have never made a claim. We hope to never need to. However, our good stewardship goes unrecognized and premium continue to rise.
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3

out of 5

POSTED: | BY: Betsey Woods

They took another look

Typically I have been giving Embrace 5 stars and a few weeks ago I did. Since my dog had surgery for a cancerous mass, I dropped them down to a one, but am now giving them credit where credit is due. Although I had to work much too hard to get them to look at what made logical sense, they did and I am now happy with the reimbursement I am receiving for the claim. I have no doubt they will get back to a 5 in my mind, just not quite there yet. Thank you for listening to logic and making the right call.
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4

out of 5

POSTED: | BY: Paula Young

Happy until now

I've been very satisfied with this company until now. They have been insuring my husband's service dog for 11 years. The cost suddenly shot up, they said it was due to inflation and the dog's age. He's had few problems in this time, and it seems that their rates should continue in his senior years. I can no longer afford this company.
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3

out of 5

POSTED: | BY: John Druckenmiller

Claim process

Submission of a claim was fairly simple. When additional information was needed they reached out to the provider. I had to take Jack to an emergency vet as our normal vet does not have night hours. I received an Email telling me how much of my claim was approved with little explanation. With a vet bill of over $1100 I felt the reimbursement of slightly over $300 was on the low side. Still I’m glad I had insurance to get some money back
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5

out of 5

POSTED: | BY: Alison

Excellent claims processing - clear and fair

I've had Embrace for my dog since she was a puppy and she's now 11. It's very easy to submit a claim online; claims are reviewed and resolved very quickly and I've always had clear communication from Embrace
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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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