Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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.
2

out of 5

POSTED: | BY: Keshia Swan

Expensive and discriminatory to healthy aging pets

Expensive and overpriced for slow and inconsistent service. In a single year with no claims, my dog's premium jumped nearly $100 a month. When I asked why, the response was because he is getting older-- as if aging backwards is an alternative.
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5

out of 5

POSTED: | BY: Lori Gay

Easy and professional

Customer service has always been exceptional. Using the website is one of the easiest I have ever encountered.
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5

out of 5

POSTED: | BY: Charlene Leblanc

Love this insurance company

Love this insurance company! They pay really fast! My baby boy is my baby. We have had them for three years!
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1

out of 5

POSTED: | BY: Susan Robinson

Poor customer service

Both my veterinarian and I are frustrated with Embrace. After my puppy's intake visit with my vet in December 2022, the vet submitted what she thought was all the information Embrace asked for in their flier. It was not enough. So then she sent the separate orthopedic examination. Now Embrace is saying they never received the results of the initial exam. My vet called to ask what Embrace wants and their representative refused to answer that question. So I called to ask what they want and they say "All the paperwork you have ever received from your vet!" I told them we'd already sent in the initial exam. We went around and around, and I finally copied every bit of the paperwork I've ever received from my vet. This is not the Embrace I used to work with.
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5

out of 5

POSTED: | BY: Terry McDonnell

Form was relatively easy to submit once…

Form was relatively easy to submit once I figured out how to import photo of invoice. I hope I did it correctly! Thank you very much! Terry P McDonnell
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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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