Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,873

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: Tena Ritchhart

Timely response to claims filed.

The timely communication regarding recent to claims was excellent ! They were paid just as described in insurence coverage I selected!
Read more on Trustpilot
2

out of 5

POSTED: | BY: Iris Arce

Increased my premium by 52%!! What?!

I started my policy with Embrace when my pup was 8 weeks old. He is now going to be covered for his 3rd year and my premium increased by 52% ($96 to $146 per month!) mind you all he has had aside from regular wellness checkups is an ear infection and a questionable lump. The reps are friendly and knowledgeable but at this rate, I will be priced out in 2 years. I don't buy the info they provided of it being based on the dog's age, policy tenure and inflation in the area. Maybe that's how they make their money though? They provide a great price to newcomers and price out those with tenure after the rates become ridiculous. I'm not interested in downgrading my coverage but I am also not interested in pay 50%+ extra each year. Reasonable increases are expected but this is insane.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Susan from Enumclaw WA

Very happy with our experience

Very happy with our experience. We had an unexpected emergency happen and a large Vet bill. You covered it. We got our money quickly. Thank you!
Read more on Trustpilot
5

out of 5

POSTED: | BY: Chaz

Tremendous customer service

Tremendous customer service, fast response, highly communicative and transparent- Simply awesome support.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Jan

Life Saver

Long story short, our 2 years old cat Grizzly had 3 ER visits, 1 major urinary blockage emergency surgery in less than 4 months. Luckily we got Embrace insurance when he was 10 weeks old, the monthly premium cost was very reasonable. Embrace website is user friendly and it takes less than 10 minutes to make a claim online. We are so lucky that we picked Embrace insurance. Now, we have a health cat and a happy life.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review