Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,988

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: Noel Anenberg

We first purchased Embrace insurance…

We first purchased Embrace insurance for our Golden Retreiver, Walter at 4 mos. He is now 11. Late last year he was diagnosed with lymphoma. He has been in Chemotherapy. Embrace has paid chemo claims on time. Yet, today we received a notice stating our 2024 policy has “maxed out” and that “there was no need to submit claims until April 2025! The policy year begins and ends in April. There is a $1000 Deductible. There is no conceivable way we “maxed” out our policy. I just tried to call Embrace and received this notice: [Do to extreme weather conditions our employees are having difficulty traveling. Therefore our office is very short staffed. Wait times are at least 1 hour] “Extreme weather” it’s July! Where are these people on the dark side of the moon? If you’re planning on purchasing insurance I would double check this outfit. Something is not kosher!
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1

out of 5

POSTED: | BY: Valued Norton Customer

Embrace is not paying for vet visits

I submitted the receipt from our vet visit after my pup was sick three weeks ago. For some reason Embrace wants vet notes from her exam on January 8th. Embrace could not explain why they needed this information. Embrace seems to be doing everything it can not to cover pets and reimburse us.
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4

out of 5

POSTED: | BY: Alex

Complete Intro Information ..

Complete Intro Information ... now I need to see if they under promise and over deliver or ... just the opposite.
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3

out of 5

POSTED: | BY: AG

Why are you asking for a review

Why are you asking for a review - nothing has been done yet
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5

out of 5

POSTED: | BY: Daniel Isenberg

Positive experience

The representative I spoke with was kind, knowledgeable about the coverage, helpful.
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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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