Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,784

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.
3

out of 5

POSTED: | BY: Christine Won

15 days is too long to wait on reimbursement fund.

To get reimbursement, I must wait 15 days. It is too long to wait. Please change your policy to 7 days.
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5

out of 5

POSTED: | BY: Nathaniel Simmons

The customer service technician was…

The customer service technician was professional and helpful. Truly made the call enjoyable
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5

out of 5

POSTED: | BY: Bobbie Jerome

Had to call them for help and they were…

Had to call them for help and they were very patient with my questions. Thank you
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1

out of 5

POSTED: | BY: Michael

Embrace will look for an excuse to not honor a claim

Embrace will look for an excuse to not to pay the claim. In my case I submitted a claim on July 22 2024, they asked for the medical records from the emergency treatment which were sent upon filing and then resent later. They then claimed that they needed prior medical records, which i submitted to be accepted as a client. I resent them. I finally spoke with a rep and was told the records were received and that they're under review which can take up to 30 business days. Sounds like a big stall to me. Incompetence if not outright deception. I strongly suggest you think carefully about doing business with this company.
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5

out of 5

POSTED: | BY: Happy Customer

Claim was handled quickly and the…

Claim was handled quickly and the representative was very helpful.
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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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