Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Debbie Wiley-Tur

I would highly recommend Embrace to any…

I would highly recommend Embrace to any pet owner seeking insurance. Customization of deductible and max payout. Ease of filing claims. Reimbursement is timely. Customer service is exceptional.
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1

out of 5

POSTED: | BY: Ravi Naidu

Beware of Embrace - Annual rate increase of 59%!

I'm sorry to say that Embrace is trying to raise my annual premium by 59%! That is some major price gouging when you consider that I have been with them for 6 years and my dog has been 100% healthy the whole time. I've typically only submitted one claim per year and always for preventative care. My dog is very low risk. It's up to all pet owners to stop companies like Embrace from doing these predator price gouging practices. We all love our pets and want to care for them as best we can. So, I am firing Embrace.
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5

out of 5

POSTED: | BY: Nancy McRae

A very helpful customer service agent…

A very helpful customer service agent who checked on several pending claims. She also gave me helpful information regarding coverage on some upcoming vet visits that my companion kitty will be needing as she ages.
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3

out of 5

POSTED: | BY: Michaela Rollins

Quick claim review but still waiting on…

Quick claim review but still waiting on money.
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1

out of 5

POSTED: | BY: Longtime Embrace Customer

Once was good, but not in 2024

Almost every prescription refill gets pushback especially if there was no appointment. Costs have skyrocketed for this long time member. Claims take much longer than they used to, 2 weeks compared to a few days. Overall, service and quality has degraded and the Customer Service manager needs to be laid off and that whole department retrained. Embrace has gone down hill and it's only getting worse.
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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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