Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 18,179

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: Rici Rutkoff

The only reason I’m not giving Embrace a 0…

The only reason I’m not giving Embrace 0 stars is because the sign up process was easy, and I was able to get only a 14 day delay after submitting my Vet’s exam before the orthopedic portion of the policy became active. My dog has no preexisting conditions nor did I submit any claims during the policy year. Then I get a renewal notice that my policy is going up over 50%. I’ve cancelled Embrace. I’m updating my comment based on the Embrace reply. If I modify my coverage further, it’s definitely not worth having. The Embrace reply is the standard language all pet insurance companies give everyone. I’ve contacted the State of Maryland department that handles pet insurance in the past and was told they can’t do much to deny the rates as the paperwork these pet insurance companies submit to justify their rate and claim decisions is hard for the State to argue against. Not a lot of State resources to deal with pet insurance these days.
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5

out of 5

POSTED: | BY: Teresa Brown

Extremely user friendly

Extremely user friendly. No problem sending the claim at all.
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5

out of 5

POSTED: | BY: Cindy Hamilton

Embrace pet insurance gives me peace of…

Embrace pet insurance gives me peace of mind. I can take my Westie to the doctor and not pay an arm and a leg for medical bills. The process for submitting claims is user-friendly.
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1

out of 5

POSTED: | BY: Stephanie Parr

Apparent Simplicity / Hidden Complexity

As easy as embrace is, it’s also extremely tough. I need to resubmit an invoice for a claim and have no way to do so except print the invoice (not convenient) and then take a photo of said invoice. Instead of uploading that file that’s already available to me b/c I only have the option to upload photos. I tried a screen grab and apparently that wasn’t clear enough. And that’s only on my phone. Because my laptop I don’t have access to my account at all. The website works fine until I login and then the screen goes blank. So what’s meant to be super easy is actually unnecessarily hard. Then I don’t have access to any customer service. I can’t talk to anyone but a bot that sends me the same resolution on repeat regardless of me saying it doesn’t work.
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5

out of 5

POSTED: | BY: John Hart

Filing a claim was simple

Filing a claim was simple. I had much anxiety around my dogs, illness, and I needed something that was simple.032125
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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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