Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,739

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: v

Predatory Price Increases

I have been with this policy for over 3 years, the first 2 years the annual increase was minor and controllable with policy adjustments. This year, they have increased my monthly policy by 90%. A near $100 a month increase. I would never recommend this policy to anyone. Normal increase per year looks like 10-15% with age and inflation. Over 90% is absolutely insane.
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1

out of 5

POSTED: | BY: Donald Bayless

If I could rate them less than one star…

If I could rate them less than one star I would. Here is another company quick to take payments for a policy and then use every excuse in the world to not pay legitimate claims that filled claiming can’t be read not detailed,no response from Vet which according to their staff is not true. I have sent paperwork to them 6 times about two separate issues none of which have been resolved and are not trying to resolve. I am canceling this crappy company and having my card company reverse all payments because they don’t honor a Dame thing they say.
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3

out of 5

POSTED: | BY: Margaret Benziger

Embrace Policy Premiums continued large increases

We have had an Embrace Policy for four years. We have not had any claims that were covered according to their criteria. Our pet is healthy. Nevertheless, our premiums have had double digit increases year after year. The quoted 2026 premium is 250% above what we paid four years ago. We are going to research other options.
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5

out of 5

POSTED: | BY: YVETTE

Friendly, helpful and professional

The representative (Roger) did a wonderful job explaining the working of embrace insurance and how it would work for my two dogs. He was very friendly, helpful and professional.
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4

out of 5

POSTED: | BY: Erik Radcliffe

Haven’t finished my claim yet but so…

Haven’t finished my claim yet but so far they have been responsive. I will update when my first claim is complete.
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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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