Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,979

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.
1

out of 5

POSTED: | BY: S.Krol

Like every insurance company they just…

Like every insurance company they just take your money and don’t give you anything. I tried to get reimbursed for a persistent ear infection which we had to get a culture and some special medicine made up. This began them reviewing the dogs health and then deciding that what I requested was deemed ‘pre-existing’ so it wasn’t going to be covered. Typical insurance BS. Dog was insured from when she was a puppy.
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1

out of 5

POSTED: | BY: Joe B.

Can't submit a claim from 7 months ago - Really???

I have had my dog Lucy on Embrace for the past several years. I tried to submit a claim today for her 1-30-24 Vet visit (today is 8-8-24) but I was not permitted since it was older than 60 days after my renewal date (for 2024-2025 plan year). She was insured by Embrace on 1-30-24 during the 2023-2024 plan year, but since it was a claim from the previous plan year (for which I paid over $3000 in premiums), they would not permit me to enter the claim, which was for a Vet visit of just 7 months ago. This really sucks. I could understand if the Vet visit was over a year ago, but 7 months ago while she was insured with Embrace...come on Embrace, this is not the way to treat a repeat customer! My fault for not putting in the claim immediately, I will have to look into other insurance when renewal time comes for all three of my dogs.
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5

out of 5

POSTED: | BY: Ally

Best of the Best

I have yet to have a bad experience! They are amazing at communication and if they don’t hear from you via email for a few days, they will call to make sure everything is squared away. Not to mention, they are quick and diligent in their work. They are very upfront about all their policies and always willing to listen to a comment, concern or question you may have. Every interaction I have had from them is friendly! Every review of what they cover and what they don’t is shared with me and they always give upfront reasons for why they reject a claim (if and when they do). I love them!!!! I will never trust any of my pups to anyone other than Embrace Pet Insurance!
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5

out of 5

POSTED: | BY: Monica Luquis

Service

Great customer service and claims are answered in a timely manner.
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5

out of 5

POSTED: | BY: Ash R

New to Embrace

New to Embrace, setup has been easy so far
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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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