Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,784

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,784

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: Jim Fitzpatrick

Overall good coverage, frequent updates on claims

I am generally pleased. Most claims are covered. The staff are particularly good at providing prompt acknowledgement of a claim receipt and in providing status updates. Payments are usually very prompt once a determination has been made as to what is covered. All the emails I have received have been very courteously written in addition to being informative of status or request for more info. My one frustration is that I have had to go back to the vet to ge more documentation when I thought the invoice, or what the vet office wrote on the claim might have been sufficient.
5

out of 5

POSTED: | BY: Maggie Monastyruk

the best pet insurance

This isurance has been a life saver. I have had to us it alot and they alway come through, with out any problems. I am so glad I went with Embrace. Can thank You enough.
5

out of 5

POSTED: | BY: Gayle Craig

Embrace Claims Processing

Embrace is great at processing claims and has a quick turn around. My recent wellness claim was submitted, approved and I should receive my check, all within a 7-10 day period! In order to have this expedited process you are required to submit, to my knowledge for all claims, a claim form that is unique to your pet. You can't just print a generic one like in the past and fill in your pet's information. You do have to go the website to print one. But it is not the end of the world for the extra step, because my refund should arrive to me shortly.
5

out of 5

POSTED: | BY: Nefer Hammonds

Fast and full reimbursements

My cat Shadow recently had an eye problem that led to his eye being removed and ultimately costing around $2,000 overall. My claims were paid based on the actual cost, not on some fee schedule, and I was reimbursed the 80% on everything on the bill without any squabbling. The reimbursement took less than the 15 days they had allowed for. Also, when I had a question about an email I received, their customer service on the phone was very friendly and helpful.
5

out of 5

POSTED: | BY: Jeremy

Great service

I have been an embrace customer for about 4 years now. During that time I have made claims ranging from twisted knees to corneal ulcers to ear infections. Every claim has been quirky and fairly processed with a concise explination of coverage. Knowing that I have insurance for my pet removes any issue regarding money when I make decisions regarding his health. And knowing that embrace will stand behind their coverage makes that security real when it counts.
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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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