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: Theresa

Well worth the cost

I have been an Embrace customer since 2022 and I couldn't be happier with them. The claims process is super easy and quick. The response time is also fast. My only regret is not having purchased insurance for my cat sooner because of a preexisting condition that she developed before I purchased the policy, but still, the premium is affordable and has been well worth the cost.
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5

out of 5

POSTED: | BY: Terry Swinney

SUPURB PROCESS

It was eaasy to complete what I needed to do with just one call.
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4

out of 5

POSTED: | BY: Vance Myers

I have had no problem.

So far I have had no difficulty with the claims process. The people I speak with at the call center are always friendly and professional.
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5

out of 5

POSTED: | BY: Jennifer Griem

Always easy to use

Always easy to use, fast response time and payments reimbursed. Have been using Embrace for 5 + years and never had an issue. Great to work with. I recommend Embrace to all pet owners.
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1

out of 5

POSTED: | BY: Gene Pak

I'm honestly looking into filing a…

I'm honestly looking into filing a lawsuit against Embrace for their bad faith practices. I submitted documentation and a letter from my Dog's doctor and a appeal was reversed, but they still try to look for every reason to deny a claim. So my claim was denied twice for the same reason when my Dog's doctor proved that any pre-existing conditions are not related. HORRENDOUS SERVICE!!!!!!!!!!!!!!!!
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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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