Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,322

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: Cynthia Grunda Kelly

Embrace is a wonderful company to deal with.

Embrace is a wonderful company and I have recommended them to may people.
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1

out of 5

POSTED: | BY: R G

Regret

We are regretting using Embrace for our pet insurance. Between vets who are quick to diagnose a medical problem with outrageous expenses but don’t take the time to evaluate pets for more serious underlying diseases to insurance companies who are quick to escalate premiums without approving claims. We are very disappointed with both insurance companies and the outrageous costs veterinarian practices charge.
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5

out of 5

POSTED: | BY: Dawn

Submitting Claims is user friendly.

Submitting Claims is user friendly.
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5

out of 5

POSTED: | BY: Debbie Klodt

I had a question about 2 claims I had…

I had a question about 2 claims I had submitted and follow-up emails about them that I didn't understand. I talked to 2 different reps and they were both so nice and helpful. The first call was disconnected and she emailed me back to finish that call. The second call answered all my questions and helped me add Wellness Rewards.
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1

out of 5

POSTED: | BY: Lauren Patterson

I signed up in 2020 for my dog who was…

I signed up in 2020 for my dog who was 3 and completely healthy and it was $37 per month. My premium in 2024 was $144 per month. My dog has no new health conditions or diagnoses, completely healthy. Their reasoning was “prices increase and in Washington there is no cap on pet insurance…..”. Incredibly disappointed. A quadruple price increase is beyond insane. Would not recommend. Very sad to have lost so much money.
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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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