Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,655

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.
1

out of 5

POSTED: | BY: Mary M

Wasted time

Representative was courteous. I submitted a claim twice because it was not legible. The claims were sent EXACTLY AS Embrace requested. After I was placed on hold for an extended time, the claim suddenly became CLEAR. Another issue I have is when Embrace factors in discounts I receive for other non- reimbursable items I purchase.
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3

out of 5

POSTED: | BY: Gary

Embrace raised my rates significantly…

Embrace raised my rates significantly even though I had no claims the past year. I spoke with the Embrace representative about this rate increase and they could not/would not do anything. While the customer service was great, I decided to go to another company.
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5

out of 5

POSTED: | BY: Ann Nich

Simple and fast claims, pleasant CS representatives

Filing claims is very, very simple and the payment turnaround is fast and easy with auto-deposit. I have been with Embrace for 11 years and counting with several generations of dogs. You can imagine some of the costs having "lost" some of my dogs in those 11 years to cancer or heart conditions but my claims were always fully (per my policy) and quickly paid. The one time I had a question about what my claim was waiting, their customer service reps were knowledgeable and personable. I provided the information and the claim was processed the next day.
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5

out of 5

POSTED: | BY: Susan Sullivan

I have had Embrace for 9 years and I…

I have had Embrace for 9 years and I have never had an issue submitting a claim or receiving reimbursement. The staff are kind and courteous on the phone and will spend as much time as needed to meet your need. I would highly recommend this company.
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5

out of 5

POSTED: | BY: Anne Wooley

Embrace Pet Insurance has an incredibly…

Embrace Pet Insurance has an incredibly simple and user-friendly site for submitting a claim. It takes minutes to complete the process and the system prompts you so your submission is ready for review. Love this company!
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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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