Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,759

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,759

Updated: May 29, 2024

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: Barbara Baird

Wonderful!

We have been extremely pleased with Embrace. From day one, timely emails have kept us posted on the whereabouts of our claims....and there haven't been any surprises as far as denials. Thank you!
5

out of 5

POSTED: | BY: Pat Sauer

Knowledgeable Customer Service Representatives

The customer service representatives are very knowledgeable and responsive via email to my questions about renewing my policy and claims I have submitted. I have the wellness plan (maximum $200) and the accident/illness plan (maximum $5,000, $500 deductible, 20% copay), and this renewal period I added the dental plan (maximum $400). There is no penalty to add and delete the dental plan from year to year as needed, which is nice. I just received notice that my recent accident claim has been processed and a reimbursement check is in the mail.
5

out of 5

POSTED: | BY: Susan Graham

Embrace is a great company to work with !

Embrace makes life easier for us ! Besides our poor little Yorkie being sick we did not want the worry of how we would pay the bills - Embrace is caring and concerned about our little man !! We always know that they are here for us !! The claims are taken are of immediately. I would highly recommend Embrace
5

out of 5

POSTED: | BY: Lin Wolen

Good customer service reps

It took a while to get reimbursed for a recent service but all in all everything went well. Previously things had gone more quickly but they explained to me that they were using a new program and it was taking longer to process claims.I thank you again for helping me with my Ziggy and Zoey!
3

out of 5

POSTED: | BY: Debbie Boucher

Claim processing slow!

I have had Embrace coverage (Wellness & Illness) since August of 2011 for my three dogs. Unfortunately I have had several experiences on different claims over the past 6+ months that I have had to call and follow up on. Eventually I do receive payment on the claim. The most recent incident was on two wellness claims that were submitted on February 17, 2012 I followed up on March 5, 2012 and finally received reimbursement on March 10, 2012. No explanation could really be given on way the claims had not been processed. I would recommend Embrace Pet Insurance for the coverage that they offer compared to other insurance companies, but I would caution anyone about the slow processing of claims.
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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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