Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,744

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: Danielle Oliver

Always fast to settle our claims

Always fast to settle our claims, never had any issues or problems. Would definitely recommend.
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1

out of 5

POSTED: | BY: Rhea Bianco

Terrible experience with processing…

Terrible experience with processing claims. Everything is a pre-existing condition and delayed delayed delayed. I feel they are reaching in order to not to pay out! They claim they’re unable to retrieve medical history, but in this day and age, I find that laughable. They are reaching in order not to pay I will not be renewing my pet policy, nor do I trust this company. My experience is very similar to someone else that reviewed in January 2023, as well
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1

out of 5

POSTED: | BY: Frank Fiorenza

Terrible worst then car insurance scams

Terrible worst then car insurance scams I dropped allstate because they recommended them $1200 claim they offered $60 They claim diarrhea was a pre existing condition
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2

out of 5

POSTED: | BY: Shelly Miller

Excessive increase in premiums.

I had no issues with Embrace pet insurance when dealing with them. I only made one claim that was well below the deductible so there was no payout. It was when I received my quote for my annual renewal and it had gone up 59% that I chose to end my policy with them and go somewhere else. I know all policies go up, but almost 60% with no payout claims. Kind of ridiculous from my perspective.
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5

out of 5

POSTED: | BY: Craig

CCL Surgery Care

I have nothing but positives concerning my experience with Embrace during the entire process for Abby’s CCL surgery and rehab. The app is easy to use, communication is excellent, and payments are quick. Coverage denial for an issue found during their pre-existing condition review was satisfactorily narrowed after more information was presented. Could not be more pleased.
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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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