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: Kelly C

Embrace has been an excellent provider…

Embrace has been an excellent provider of insurance for my cat. Very easy to sumbit claims and reimbursement is fast. Just make sure to submit claims immediately because there is a short time frame in which you are permitted to submit claims. I highly recommend Embrace.
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5

out of 5

POSTED: | BY: marjorie Philippe

easy to put invoices in and quick…

easy to put invoices in and quick response
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5

out of 5

POSTED: | BY: Shirley Broderick

Insurance cover for pets

when placing a claim for pet; the turn around is very good for reimbursement. If you are new to Embrace and you have an older pet, it can be a little longer to get all the reviews from pet past records. Anytime I have made a call with questions, each person has been very helpful and professional.
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5

out of 5

POSTED: | BY: Delorise Weis

After I figured out the process

After I figured out the process, it has become easy, and the representatives have been patient and helpful.
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2

out of 5

POSTED: | BY: Jody Moscaritolo

Use legalease to exclude huge swaths of conditions

This company is just like every other insurance. They will use every excuse they can find to NOT cover a condition. My dog threw up ONCE in 2023 and they used that to not cover all GI issues he ever experiences until 2025. Well throwing up isn't a condition; it's a symptom of MANY conditions. And when my dog then had pancreatitis for the first time ever, they used something totally unrelated to deny $3,000 worth of claims. Additionally, they don't actually tell you what all of the absurd things they're excluding are unless you specifically ask them to OR you file a claim-- so you spend months and months paying for a premium for a policy that turns out to be useless. ------------ Responding to Embrace's response: I would like to just point out that if my complaint is that you hide behind legalease rather than genuinely communicating what a customer's policy is... And your response to that is to hide behind more legalease, you're proving my point. Furthermore, my dog throwing up one time is not a pre-existing, underlying condition. It is an isolated symptom of something that has long since stopped. Not only is it in no way related to him experiencing acute pancreatitis long after my policy's waiting period, it is a gross misrepresentation of his medical history to exclude ALL future GI related issues based on an extremely common symptom that is applicable to many condtions.
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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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