Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Brittany Notman

Mouth mass

Enzo had to have a mass in his mouth removed and sent to pathology. They covered his surgery without questions or making this difficult time even worse.
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3

out of 5

POSTED: | BY: Lucy Cordes

Difficult navigating claims submission.

Difficult navigating claims submission.
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5

out of 5

POSTED: | BY: Linda Roggli

Wonderfully kind, terrific company, still a fan after 20 years

The guy who answered their customer service line could not have been more kind, sympathetic and helpful. Plus efficient. We lost one of our four dogs recently and had to remove her from the policy. Not only did he take care of the refund but I received the nicest email from the company in her memory. Been with them for nearly 20 years and still a fan
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2

out of 5

POSTED: | BY: Customer

Terribly glitchy

The mobile app and the website are extremely glitchy. Constantly crashes or sends random error messages. I gave it a 2 star rather than 1 star because after much perseverance I was able to finally submit my claim.
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1

out of 5

POSTED: | BY: SA

Attempted to add non existent pre existing conditions after payout for illness

Got a new dog and enrolled Dec 2023. Did a complete ortho eval and submitted to Embrace. Accepted and noted hip dysplasia as pre existing and not covered. Fine with that. Dog gets sick with stomach illness august 24 and embrace has to pay out. Am told at payout that suddenly back issues are pre existing and not covered. Absolute bs. The vet did NOT ever say there are back issues and current illness had nothing to do with back. This is a blatant attempt to scam with an older dog. DOI complaint will follow.
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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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