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.
5

out of 5

POSTED: | BY: Katherine

Got a smartphone? You don’t need anything else except your invoice

Submitting a claim was so easy. I have been intimidated by what I thought I was going to have to do. I actually did it all on my phone!
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1

out of 5

POSTED: | BY: JT

Premium went up $600 for 2023 renewal

My Premium was $1000 this year and I just received my renewal for next year, Embrace increases my premium to $1600 without any explanation. I understand cost of everything went up and there's inflation now too but $600 increase????? that's 60% increase!!! between cost going up and inflation, 20% increase is probably more reasonable. Anyways, I called Embrace multiple times trying to speak to a supervisor to find out why this happened, but Embrace refuses to speak to me and all I got was a email response that my dog is aging hence the price increase. I'm very disappointed with their customer service and their supervisor Sarah is avoiding talking to me on the phone. You would think maybe there's new perks or the coverage is better given $600 increase but NOPE - same coverage as before. I feel that we are being punished b/c of my dog is getting older. I"m totally ok with annual increase of premium but not by 60% each year.
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5

out of 5

POSTED: | BY: Kathy

Great customer service and worth every penny

Great customer service and worth every penny! Our dog has been healthy her whole life and had a very rough year with random unrelated events (broken tooth, torn CCL, etc.). This helped us get through multiple surgeries for multiple issues this year without breaking the bank!
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5

out of 5

POSTED: | BY: Bobbi and Brett Miller

Easy process-fast response.

Easy process-fast response.
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5

out of 5

POSTED: | BY: Cathy

Claim processing

Website is user friendly and claims are processed quickly.
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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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