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.
1

out of 5

POSTED: | BY: Chris Berkland

Terrible claim service

I am very disappointed in their claim service. I submitted one 3 weeks ago and have yet to hear back. All of a sudden, they said they had processed it over a week ago though I had never received their email. Worse, it was processed incorrectly.I would not recommend them based on terrible claim service. I'm looking at going with someone else at this point.
5

out of 5

POSTED: | BY: Gloria Guevara

easy and worth every penny

The paperwork and submission process are simple and the processing time is quite fast. The customer service is excellent. I received email updates throughout the process and my questions were answered promptly.
5

out of 5

POSTED: | BY: Cujo

They do what they say! (Rare now days!)

I was previously with VPI, and there is no comparison! Embrace process' quickly, and pays out much more. Plus, you can choose what you what, as far as coverage. I used to have to fight with VPI to get them to pay ANYTHING! I have referred two people already. (Total of 14 animals.) They have filed claims, and have been very happy as well. Now they are referring other people. I really appreciate the fact they do what they say!!!! Thank you Embrace!
5

out of 5

POSTED: | BY: rochelle chambless

Excellent Customer Service

The claims representative from Embrace chased down invoices and diagnoses not once, but twice from our veterinarian to get our claims processed. We received our reimbursements quickly and correctly, well within their 15 day limit. The premiums are worth every penny.
5

out of 5

POSTED: | BY: Susan G.

Honest, prompt settlements

In the past 2 months I have made claims for both of my dogs for expenses totalling approximately $3,000. I have received prompt service, good communication and reimbursement that was exactly what I expected, based on my contract with Embrace. This is consistent with my past experience with Embrace. I have recommended Embrace to everyone I know with pets.
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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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