Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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: Jamie Applegarth

Monthly premium doubled

Embrace was great for the first year. However we just got our annual renewal and our rates DOUBLED. We went from $121 a month to $242 a month. When we called to find out why we were told it was due to inflation. We expected some increase but to double seems insane.
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5

out of 5

POSTED: | BY: Amy Goodman

So far so good!

Embrace has very knowledgeable and caring representatives and signing up was very easy. Also good prices for great coverage. I haven’t needed to file a claim yet, but so far my experience has been very positive.
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5

out of 5

POSTED: | BY: Penny Edwards

Our puppy started having seizures …

Our puppy of 10 months starting having seizures and because it was the weekend, we had to take him to the emergency vet. We sent our bill to Embrace along with the bill from our regular vet and the pharmacy. Embrace kept us updated and contacted our vets for any additional information they needed. We were reimbursed within a timely manner. Great service! I would highly recommend Embrace Insurance.
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3

out of 5

POSTED: | BY: Julian Hernandez

Dislike how my rates went up around 30%…

Dislike how my rates went up around 30% after the claim process
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3

out of 5

POSTED: | BY: customer

Super long claims process

The agent was pleasant and knowledgeable. In fact all of the agents have been outstanding so far!! 🤌🏽 I gave it a 3 stars due to a long process in filing a claim. It’s been day 3 and it hasn’t even started to be reviewed yet! I was informed it could take up to 30 days!! I dislike it being unacknowledge for so long. I’ve began looking at MetLifes pet insurance policy! Although I do like the affordable plan.
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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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