Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Kimberly Pyfrom

Was so easy to submit a claim

Was so easy to submit a claim, and customer service is great if needed. So nice to speak to a person
5

out of 5

POSTED: | BY: R Taylor

A Must Have for Pet Owners

I am so pleased with Embrace Pet Insurance. I have filed two claims that were addressed promptly and fairly. My dog could not have had the care he received without this policy- worth every penny! I will never have a pet without Embrace.
5

out of 5

POSTED: | BY: Theodore Longlois

Quick, Easy, and Convenient!

Embrace filled my claim very quickly and the pet hotline was life saving! The entire process was simple and straightforward
1

out of 5

POSTED: | BY: Danielle Oppedisano

Very dissatisfied with the claims…

I’m extremely disappointed with the claims process. It took far too long to resolve in my opinion. They don’t tell you that the first claim can take a couple months because they don’t include any weekends or holidays in the amount of time they say they need for reviewing. The lack of communication was unacceptable. I had to take it upon myself to figure out that they needed additional information because no one reached out to inform me. There was no clear guidance, no follow-up, and no sense of urgency from their team. It felt like they didn’t care about my time or the stress the delay caused. A simple call or email would have resolved things much sooner. This experience has been frustrating, and I expected better service. I hope they improve their communication and efficiency for future customers. I am very satisfied with each customer service rep that I have encountered as they were polite and kind with each call I made.
5

out of 5

POSTED: | BY: Elizabeth Baumgarten

Filing a claim was easy

Filing a claim was easy. Review and reimbursement was fast and efficient.

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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