Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Satisfied Customer

Great Service

We had to take our lab to the emergency vet and to say the least it wasn’t cheap but once I submitted my claim to Embrace, it was processed expeditiously. We had our reimbursement in our account in no time. Thank you Embrace!
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1

out of 5

POSTED: | BY: Julyssa Ramirez

You made a false diagnosis stating she…

You made a false diagnosis stating she has corona virus. She was never diagnosed with corona virus. You made this false diagnosis in order to avoid covering her. This is fraudulent claims by embrace. When I tried to cancel the lady who was canceling my plan Amy was condescending and defensive. Gas lighting me and insisting it was correct and based on my pets paperwork. I have that exact same paperwork in hand. It never once said she had corona virus. Insane EDIT The company responded to my review and gaslighted me again. I literally spoke with my cats vet and looked at the notes and both denied ever mentioning coronavirus. DO NOT DEAL with this shady company. They obviously are defensive and cannot take accountability.
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5

out of 5

POSTED: | BY: Carl Huff

Emergency visit

We had an emergency call to the veterinarian and some tests were run. When encountered the emergency visit fee and then the fees for testing. I submitted the claim that evening and got a wonderful answer the next day.
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5

out of 5

POSTED: | BY: Lindy

Customer service and adjusters are…

Customer service and adjusters are professional, prompt and helpful. I have had this company for both of our pets since January 2024. Out of all of the claims I have submitted, I’ve only been disappointed and disagreed with one claim that was denied. I would highly recommend this pet insurance company.
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1

out of 5

POSTED: | BY: Gary Powers

Slow, useless

Slow, uninformed, lazy looking for any reason they can to deny a claim, buyer beware!!
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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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