Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Kay

Reimbursement does NOT happen

This pet insurance claims a dog's "tartar" as a pre-existing illness and does not cover teeth cleaning for prevention. It's ridiculous. I will NOT recommend this insurance to anyone because they are too busy to find a "pre-existing" condition and are unwilling to pay. It's not morally good company.
1

out of 5

POSTED: | BY: Mickayla

came back not able to walk

STAY AWAY. my dog came back from being in boarding for 4 days NOT BEING ABLE TO WALK. Jack and the veterinarian were horrible. they want to charge me full service for an xray. they "called" me one time a few hours before pickup one time but told me NOTHING when i came and got her. she went there full of energy and came back lethargic and lame. charges are filed.
2

out of 5

POSTED: | BY: Alice S

Embrace used to be responsive but not so much any more.

I have had Embrace Pet Insurance for 12 years. I’ve been happy with the insurance itself. However, previously it was easy to call with questions or issues about claims. But lately I’ve been on hold for several times for 15 minutes and then it goes to “call failed”. Earlier this month I sent email request to return my call but I never got a call. It doesn’t matter what time of day I call. I am not happy with this.
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5

out of 5

POSTED: | BY: SK treiman

efficient and clear

easy submission process. worry-free online processing. good answers, when need customer service
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1

out of 5

POSTED: | BY: Stanley Koga

We’ve paid thousands of dollars to…

We’ve paid thousands of dollars to embrace. Turns out their coverage sucks. They’ve lost us as a customer as of July 2024.
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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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