Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,916

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 19
  • 13,916

Updated: January 02, 2024

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: Lindsay

This company is absolutely wonderful

This company is absolutely wonderful. They are kind, courteous and attentive to exactly what plan your pet needs when signing up. The process for reimbursement is quick and efficient with an easy app format to work through. Thank you! We even got a discount signing up because we are USAA members!
4

out of 5

POSTED: | BY: Penny Hotzel

Our dog had a very bad start to 2024….

Our poor dog had a terrible beginning to 2024. Bone fragments cut her insides and then her tail got infected and they had to amputate 3-4”. She is fine now, but very scary. With the exception of vague descriptions on specific records needed to complete the claim, all was in the end settled and monies delivered to my account.
5

out of 5

POSTED: | BY: Christine Ricci

This company is the best

This company is the best! I called in and spoke to a very knowledgeable representative. I needed information regarding neutering my mailbox. She gave me more information than I had ever imagined. She was informative and helpful in all sorts of ways. She also had a lovely personality. I’ve had nothing but great experience with this from my boxer.
1

out of 5

POSTED: | BY: Ginny Foreman

Embrace has been holding 2 claims of…

Embrace has been holding 2 claims of mine for my puppy because they say the don't have all of his information. He is a pure bred pup and all of his records have been provided by myself and the previous vet. They decline payment frequently and request additional information on almost all claims, even though I provide all bills and the soap notes in advance.
1

out of 5

POSTED: | BY: Natalia Hallam

I hated the entire experience!

I hated the entire experience. I had to provide documents from 4 years ago from two different vet clinics. It was ridiculous. Then my claim took about a month and a half to be processed before I got any sort of refund. I highly discourage anyone getting pet insurance. Save a little money each month and invest it by receiving 5% APR. Way better than giving your money to these insurance companies. They created more stress for me during a time of need. I cancelled and will not be looking back.

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 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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