Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,795

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: jaden kiefer

Embrace had been excellent for the time…

Embrace had been excellent for the time I’ve had them. Covered just about all of my claims and they responded quickly any time I had a question.
5

out of 5

POSTED: | BY: Kamuela Alesna

Wellness Check up 2023

Pretty efficient way to file claim for services promised under insurance contract. Very simple from smart phone.
1

out of 5

POSTED: | BY: Cailin Qualliotine

Never covered one claim

I had four pets covered by Embrace. They never approved a claim for any of them. My vet noted some tartar on my rescue dogs teeth and I got a letter stating that until I had the dog anesthetized and had the tartar removed under anesthesia no "related" dental problems would be covered. Even the vet was not recommending such a dangerous intervention so why was the insurance company creating such a barrier? It seemed cold and about money to me. This was just one of the many times I felt exploited by the company for my desire to protect my animals' health. In my case, they seemed oriented primarily to deny current claims and protect themselves against future claims. I cancelled the policy. I recommend you look elsewhere for your pets.
1

out of 5

POSTED: | BY: Consumer

Awful

Awful - I’d give them no stars if I could. Cancelled policy and demanding my money back.
5

out of 5

POSTED: | BY: Peter J. Fenimore

Great coverage!

Great coverage! My cat had an issue and Embrace was super fast and helpful!

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 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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