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: Debbie S.

Great Service - Great Company

I can't speak to other pet insurance companies' practices, as I've never used them. I can say, though, that my experience with Embrace has been really very pleasant, with fast turnaround times on claims and good communication to keep me informed of every step of the process. They've been very helpful, often asking the vet to fax add'l info to them when needed, rather than having me do it. Claims are paid at 80% after the yearly deductible, and the wait time for check-in-hand is only about 2 weeks from initial claim submission. I've had human health insurance claims that took longer! I'm a very pleased customer and would recommend Embrace to anyone.
5

out of 5

POSTED: | BY: Edwin Vega

Sam

Becoming a member if the Embrace Pet Insurance was a good idea. Claims are processed fairly and in a very timely manner. I recommend Embrace to anyone looking for a pet insurance company.
5

out of 5

POSTED: | BY: Linda Haugen

great

It's my first time with pet insurance and after many trips to the vet I decided to buy embrace ins. I am very pleased with the company and the claims are processed quickly. When my yellow lab was diagnosed with elbow problems,I am very glad to have some insurance to help her. I would recommend embrace to anyone who has pets.They also keep in touch by email which is helpful. It's a good company.Thank you Embrace.
3

out of 5

POSTED: | BY: Rosemary McLain

Great Insurance...But

I like the friendly people I get e-mails from and speak to on the phone but, So far every claim I have submitted has no been processed correctly. I really like this insurance and have chosen to stay but they need to educate their staff on how to properly read an itemized bill so they can pay the claims properly on the first submission.
5

out of 5

POSTED: | BY: Christy Grech

Ellie says thank you.

We love Embrace insurance. We only wish we had it for our previous dog. Everyone has been so patient and pleasant. We received our reimbersements promptly. And it was very easy to get the coverage in the first place.

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 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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