Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Gina Leon

Great Service

Any and all questions are answered clearly and quickly. Claim reimbursements are also quick. The service has always been beyond helpful and it's easy to communicate with a live person.
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3

out of 5

POSTED: | BY: Charlie Marie

Would be a five star

Would be a five star, but lately their app and online sources have been very difficult. A lot of time it wont load the claim documents easily. You have options to file via physical paper, but obviously takes longer. Wish they would fix the bugs. Have been with this company for MANY years now. Love their services overall.
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5

out of 5

POSTED: | BY: Lainee Katzenberg

Embrace app is very user friendly

Embrace app is very user friendly Easy to file a claim Quick response Quick reimbursement
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5

out of 5

POSTED: | BY: Phyllis Soldano

This insurance is great

This insurance is great! Great coverage and very, very fast response. Will recommend to everyone.
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1

out of 5

POSTED: | BY: Brooke

Over 50 percent increase in monthly fee after first year.

January 2024 marked my one year anniversary with Embrace Pet Insurance (signed up in Jan 2023). When I signed my 3 year old dog up for their insurance, they said the annual fee would go up incrementally each year. Well, in January 2024, my monthly fee increased from 49 to 79 dollars (rounded amounts). I called them and of course they blamed inflation, which as Robert Reich points out is actually price gouging. Corporations are blaming inflation to squeeze every penny they can from their customers to line the pockets of shareholders and executive staff. They also rely on vet techs and those with "demonstrated vet experience" rather than actual veterinarians! So they base all their insurance decisions on non-vets, who while may be great vet techs and the like, but they are NOT qualified to be making medical based decisions to inform insurance professionals. So now I am one year invested, but not so much I will be canceling soon, this is a racket, do NOT use Embrace.
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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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