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.
5

out of 5

POSTED: | BY: Kathy George

I was able to file my visits for…

I was able to file my visits for consideration of coverage quickly and easily and received responses in a quick turn around time with approved refund in my account within 2 days of determination
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5

out of 5

POSTED: | BY: Lillie Halliburton

submit claim and it was very quick

submit claim and it was very quick
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4

out of 5

POSTED: | BY: Stephen Donovan

Claim submitted today; help, recommendation.

Claim submitted today. I do not have an "advanced" phone, so easier submitting by scanning documents and going to web site to electronic submit claim and upload pdf documents, much clearer document for us. Claim review pending. One "issue". The claim procedure via web site (using MS "Edge" browser) has a section to upload the "invoice" which I did. No section to upload support documents like Vet MD office notes, you'll often need in your claim review. My Fix - went back to invoice upload page, and added new pdf to upload 2 pages, Vet MD notes. They all got sent out, so appears no problem. But please clarify it this is WHERE to upload it, and make a separate section to upload support documents, if needed by your Claim's Dept. Reason, so I can save you time, during your Claim review. Otherwise, WELL DONE.
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5

out of 5

POSTED: | BY: Kathy Norman

My Claim Experience

Embrace worked on my claim quickly and finished it within a few days. I sent my claim in on Friday, 1/10/25 and it was completed on 1/14/25. The money was deposited into my account two days later on 1/16/25 after the completion. I am very satisfied with the process.
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5

out of 5

POSTED: | BY: Harold Varner

Caring and Communication

The loss of my dog was difficult. Embrace let me know they care and expressed condolences. They also communicated with me frequently on the status of the claim and any issues they were having with veterinarians. A phone call to customer service resulted in quick settlement of any issues. Very happy with the service, professionalism and caring 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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