Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Sachristy Arakelian

Seamless

Quick and easy claim experience! After submitted the invoice, I didn’t need to take any further steps, as they contacted my vet and I received my refund shortly after.
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3

out of 5

POSTED: | BY: Maria Garcia

Slow process and hard to get answers in a timely manner from a representative

We have been members for barely a year and our rate already increased. Our first claim took a while to be processed and it was very simple and straightforward. Our reimbursement has not yet gone through to the proper bank account. I have called and emailed multiple times to get an answer with no luck. Tried to update bank account details on app and it keeps glitching to no success. When I was finally able to update and to talk to someone on the phone, nothing has been done yet and it’s been almost a week. Not what I expected. Don’t want to imagine what happens if you had a complicated claim.
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5

out of 5

POSTED: | BY: Debra Bean

Professional staff and well-rounded insurance products

Darcy was a wonderful person with which to work. I had several questions that she ably answered or found the answer for me. She was patient and so helpful. The actual product appears to be a good insurance product. I researched Embrace before I requested a quote and found the company to have high reviews. So, after talking with Darcy several times, I signed a contract with Embrace.
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5

out of 5

POSTED: | BY: Matt Frymire

Embrace has met all my expectations

Embrace has met all my expectations. The online claim submittal process works well, and reimbursements have been completed in a couple days. The coverage has been what we expected as well. Overall it has proven to be a good value. We have been a customer for 8 plus years.
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5

out of 5

POSTED: | BY: Billy Shifflett

Consistency!

Consistency and immediate followup is a big plus. Little or no hassles. Staff very helpful each time claim is submitted.
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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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