Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Claudia Salas

Don't hire them

Don't hire them, they steal your money and then they start asking you for the pet's documents, until they invent the craziest of arguments for not paying. They told me, after they charged 18 months. They say that my dog had swallowed an object in 2021 and that was a pre-existing condition (they did charge 18 months). The truth is that my dog had coccidiosis. The claim I filed was for about $500 and with a deductible of $250, to make a meager 90% refund they sent me emails for almost a month and then of course they denied it. Please EMBRACE return my money. Where is the leader of that company?
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5

out of 5

POSTED: | BY: Lew Lew

Quick to reply on a claim

Quick to reply on a claim, took less than a day to respond and get me reimbursed my amount on the wellness plan. A lot of people don’t understand that usually you have to pay a good amount for good coverage. You pay for the good insurance and you get so much of it back from it. I Pay around 90 a month with 90% reimbursement and 15k covered with $250 deductible and a wellness plan and it’s worth it. The wellness plan does seem expensive but I got reimbursed a full $215 for my GSD puppy first vet visit.
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5

out of 5

POSTED: | BY: Valued Customer

Dog hit by car, Having Embrace saved him

Our dog was hit by a car and required major surgery and multiple follow ups. Without having Embrace pet insurance I don’t know if he would be alive right now. With his surgery supported by Embrace, he is expected to make a full recovery. Thank you Embrace!!
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1

out of 5

POSTED: | BY: Vicki Scap

Wish I could give zero stars

Wish I could give zero stars. This insurance is a scam. Their coverage is severely limited and not worth the $50 a month. Canceling immediately.
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5

out of 5

POSTED: | BY: Elaine C.

very easy to make an online claim

Very clear instructions, claim process very easy
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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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