Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: customer

Embrace does all the work…

Embrace does all the work of collecting paperwok, especially when you are so stressed by your dog’s health, what a relief and support. It was such a smooth process. Thank you!
1

out of 5

POSTED: | BY: Abigail D

Disingenuous practices once a claim is submitted

My experience with it this company left us disappointed and feeling taken advantage of. We signed up our puppy around October 2023, submitted vet records as requested, and even had the optional extra orthopedic exam completed so he would be eligible for coverage sooner if a musculoskeletal condition developed. We paid faithfully for 6-7 months before my dog had a subpar experience with his groomer where his underbelly got accidentally nicked in multiple places, some more sensitive than others. He began to lick these wounds as dogs do, and within a day or two one spot started to look possibly like an early infection. We brought him into the vet on a Saturday morning before they closed for the weekend and he was treated promptly with antibiotic and anti inflammatory prescriptions. I submitted my claim, and 5 days later we got an email from a vet tech affiliated with Embrace who said she did a “medical history review” and permanently excluded him from motion sickness, and then added 12 month exclusions for giardia and “dermatologic conditions.” How convenient… despite us following all their rules, submitting his records at signup, as well as paying for him to have an extra orthopedic exam done by our vet and paying into his policy for half a year, they decide at the time of our first submission to go through his records and decide to exclude conditions, one of which was so generic it wouldn’t cover his current urgent and completely unrelated issue? Not to mention, even if this had been accepted, it would have just gone towards the deductible. I wish we had known about these “exclusions” before we started paying every month. I think it’s totally unfair for them to decide to apply a broad ‘dermatological exclusion for a year’ after he had some transient itching when he was a pup. If they’re going to pull stunts like that, they ought to tell you that at sign up. I would have reconsidered my decision to pay for their policy if I had known they wouldn’t even look at his history or initiate exclusions once the first claim was submitted. What’s the point of submitting that paperwork in the beginning then? What a waste of our time and money.
5

out of 5

POSTED: | BY: Ryan Olson

A life saver for emergencies

We got Embrace after we had to pay for our dog’s ACL surgery. We recently just had to have emergency surgery for her for bladder stones, and Embrace was a life saver and covered over 80% of the costs. A loyal customer for life!
5

out of 5

POSTED: | BY: Karen

Helpful and honest advice

I was given good advice when to add well-ness care for my dog. I was thankful for his honesty and not trying to get me to spend more money.
5

out of 5

POSTED: | BY: Julie Goodwin

Thank you for covering Marshall’s…

Thank you for covering Marshall’s surgery. It was life saving. So glad that we have EMBRACE!!!!

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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