5
out of 5
POSTED: | BY: Izzy
So friendly
So friendly, understanding, competent and reassuring.
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4.9
out of 5
Number of reviews 20,332
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: Abhi Basu
Great company to work with
Great company to work with. I can't imagine what would have happened if we did not have coverage for our dog who fought with cancer for two years. Thanks for all you do and I will recommend you to as many people as possible. We had coverage for more than 10 years through Embrace.
5
out of 5
POSTED: | BY: triciaking
Kept in touch all through claim
Kept in touch all through claim. Asked only for what was needed. Gave us time to find what they needed for claim. Satisfied with what they paid. I liked how up front and honest they were with the whole procedure..
1
out of 5
POSTED: | BY: THOMAS HERNANDEZ
It has been horrible with customer…
I changed from another insurance company to Embrace in May of 2024. It has been very stressful and difficult talking to staff and the claims dept. It has been horrible with customer service and claims dept. They will deny your claims so be prepared. You will have to appeal it. It took over 4 weeks to get my claim overturned. It should have never been denied in the first place. That is because I had to argue with the claims dept for over 4 weeks for my claim to be approved. They didnt' take any accountablity or offer an apology for their mistakes. I find claims dept to be shady in regard to claims. I would not recommend. I highly recommend you look at their BBB and google reviews.
1
out of 5
POSTED: | BY: Thomas Crawford
Honestly a terrible experience
Honestly a terrible experience. Took more than 6 weeks to get any kind of response, very unclear direction on what is required to process the claim, impossible to get anyone on the phone (although once I got someone they were helpful), and I was reimbursed a fraction of thousands of dollars of ER and hospital bills with things used as an explanation like (hospital boarding is not covered) even though the hospital boarding was a direct result of the illness. I plan to cancel coverage and seek another provider is this is not remedied.
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.