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.
2

out of 5

POSTED: | BY: T Pow

Salesman Upsold me and Lied

So far, I have not had a good experience with Embrace. I was outright lied to by the salesman I spoke to prior to signing up. They claim they record phone calls, but when I reached out nobody was willing to go back to the call and verify what I was told. Because no pet insurance companies cover pre-exiting conditions, I feel like I'm stuck with them now because I'd have to start from square one with any other company. We're definitely stuck with them for a year, because I was given misinformation about the Wellness Rewards program. Be careful signing up for that because they can charge you for it if you want to cancel. I didn't even want it but the salesman upsold me and lied about it.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Linda

Embrace pet insurance

They are wonderful they know you're dog or cat they have a picture of them and they do everything in a power to help you.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Gordon

Started off good when my dog was a…

Started off good when my dog was a young puppy. Then in April of 2020 he went for a routine checkup and normal shots and that has been on hold since. This year in February no dog had an ear infection for the first time and needed shots. I submitted the claim and have been waiting since. I have called numerous times and get the same answer that the vet keeps sending the wrong information. I spoke with one person at Embrace and was told that she spoke with the vet and received what they were asking for. That was a couple weeks ago and now they told me that it still isn’t what they want. I have been paying for health and wellness insurance since my dog was eight weeks old and thankfully he has been in great health his entire life. I would not recommend this to anybody.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review