Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: Emily LeSueur

If I could do 0 stars I would

If I could do 0 stars I would. My dog is a 11 year old healthy MN chihuahua. They charged me $70 a month with a $1000 deductible and after 1 year of zero claims they increased the charge to $110/month. My dog was perfectly healthy the whole time but because he had a small skin tag on his wrist they informed me they wouldn’t cover if he ever got cancer and his ALT ONE TIME was elevated by 0.1 point which neither of his doctors were worried about but therefore they wouldn’t cover any liver issues even though it was back in the normal range when I checked it less than 3 months later. You’re better off saving $200 a month than paying Thais company. And that is coming from a certified veterinary technician who also should’ve gotten a discount for working in the field but didn’t.
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1

out of 5

POSTED: | BY: Todd Snowling

I will be canceling.

I will be canceling.
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5

out of 5

POSTED: | BY: Lucia Bartoli

Best Pet Insurance & Customer Service

As usual, Embrace comes through for me for my best little pal’s health. We’ve been with Embrace for about 3 years and it is true that the health decisions are easy because of the coverage I selected ($200 deductible, 90% reimbursement & wellness) & the speedy process. I’m “5 Star” happy. Some folks are upset about long waits on the phone…o one that a BIG issue has been due to weather conditions in some areas that have caused delays for a few weeks. But be patient as yesterday the wait was a LOT shorter. 👍🏻😊🐾 Added—reimbursement came within 14 days. I ❤️my Embrace!!
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5

out of 5

POSTED: | BY: Shayna

We have had Embrace for our rescue pup…

We have had Embrace for our rescue pup Gizmo since we got her back in January 2024. I searched around through all of the different companies but finally decided on Embrace because they offered awesome benefits for our furball, bonus it was offered through our personal insurance company (GEICO). I love that they offer an app, it makes it easy to upload documents & contact them if needed. Their customer service is amazing too, I had a slight blip after switching over my payment card & contacted them immediately. They fixed the issue right away & were super helpful all around. Best insurance company & I highly recommend!!
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1

out of 5

POSTED: | BY: Marc Sowash

Don't waste your money and tome like I…

Don't waste your money and tome like I did. I'm canceling my policy with them. They never covered anything and always had an excuse why. I could have saved more by not having them.
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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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