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: Lynne Giey

Unexpected surgery

This was my first time using any pet insurance. My 1 yr old pup had an obstruction from something she ate and after 1 1/2 days in ICU and ended up needing surgery. After 3 1/2 days the cost was up there ! Embrace told me the first claim would end up closing appropriately 30 days after claim submitted due to the collecting of the pups medical records. They walked me through everything. Kept me updated as time passed. They were true to their word ! Approximately 3 weeks after claim submitted they direct deposited the amount promised !! I was so relieved. As a result, my daughter is contemplating getting Embrace for her dog as well !! I am 100% satisfied with this company. If you’re on the fence about getting Embrace as I was, wait no longer. Do it. They have many different levels to meet your budget. You can get as much or as minimal as you desire. Do it !!
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5

out of 5

POSTED: | BY: Florence Hargreaves

Filing a claim is super easy.

Filing a claim is super easy.
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5

out of 5

POSTED: | BY: Sandi Joseph Elliott

Was very clear instructions and easy to…

Was very clear instructions and easy to submit claim.
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1

out of 5

POSTED: | BY: Brianna Schwager

Honestly this insurance sucks

Honestly this insurance sucks. I feel like none of you guys actually pay attention or care.
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1

out of 5

POSTED: | BY: customer

This insurance is a joke

This insurance is a joke and has never been worth the money. I've paid this sleezy company SO much more than I've ever received, and I definitely would have been MUCH better off just putting money in a HYSA or a market ETF for my pets. Embrace will jack up their prices so much every year that at this point I would have been paying almost $400/mo for four mostly healthy cats, only one of which is elderly (and I still almost never used this insurance for him). That was with an annual coverage limit and a $1000 deductible (per cat). I had to remove my oldest cat due to cost and it was still $250/mo. What a scam! I had felt trapped because one of my other cats was 12 and until recently most insurance companies wouldn't cover cats age 12+. But now Spot does! I went with them and I'm paying more than $100/mo less than I was with Embrace. This insurance is just for emergencies (no insurance company is worth it for anything routine or even for covering most conditions), and I hope that in a year or so I'll have enough saved to cancel it entirely.
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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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