Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,734

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,734

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.
3

out of 5

POSTED: | BY: Joyce

Problem Understanding Claims process

I contracted Pet Insurance last year for my Dog's leg injury . They were referred by my Veterinarian. I found the folks there to be very friendly, knowledgeable and understanding when I called for questions regarding the Policy, etc. However, after submitting my claim information from various doctors and having the doctors send additional information (as requested by Embrace), I had NO idea of what I was being paid for, what was approved or not and understanding how the actual payment was calculated AFTER my deductible. Their system is NOT easy to understand and for as much money as I spent for the care of my pet in 2011, I should at least be able to KNOW and UNDERSTAND how his Insurance Coverage is determined. I have since Canceled my Policy with them.
5

out of 5

POSTED: | BY: Roman Sobieri

Very Happy with the Proactive friendly Team!

I never had pet insurance before, but Embrace is like no other insurance you have ever had...they actually follow up and help you make sure you are happy with the results. When I was away and didnt follow up with my vet to get a missing form he forgot to include in the claim...my Embrace rep went directly to the Vat and got the necessary form before I even got back. YEAH Embrace!!!! Best (pet) decision I ever made!
5

out of 5

POSTED: | BY: Deborah Rice

Wellness Claim Reimbursement

It took about a week and a half rom the time I submitted my claim for my two cats' wellness visit to the time I received my check. Embrace paid the entire claim quickly. They followed up with me to let me know they had received the claim, let me know that they had processed it, and then followed up to make sure I had received the payment. Wonderful!
1

out of 5

POSTED: | BY: Khara sullivan

Horrible Insurance

From a 480 vet bill they returned $160 after over a year of service! What a joke! I will be canceling ASAP!!
5

out of 5

POSTED: | BY: Justin Arrindell

I'm happy with Embrace!

I looked around, and Embrace had the best policy that I could find. They have great communication and very friendly staff. They sent my reimbursement check very quickly. I had my dog neutered, and they covered $400 of it. Embrace is great!
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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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