Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: T. A. Baut

First claim and they denied it

First claim and they denied it. They mentioned some pre-policy examination that was required but they sure took my money. I followed all of the initial steps they provided and no where was there a "pre-policy examination" mentioned. Our dog is mostly healthy but I got the insurance because she's getting older now and I wanted to be sure we could get her care if something happened. Really disappointed in this insurance, it was horrible.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Ronald Greene

Outstanding service.

Outstanding service.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Shaun Sigmon

Just like any insurance company they…

Just like any insurance company they don’t cover some pre-existing conditions that they actually should cover. Insurance is a scam period, including pet insurance. If your dog has cancer and then you try to get coverage that’s understandable. But if your dog has allergies and the insurance company refuses to cover it just because they’ve gotten an allergy shot before you got the insurance, that’s nonsense.
Read more on Trustpilot
5

out of 5

POSTED: | BY: EM

Excellent customer service with Devon

Just signed up, so have not filed any claims, but Devon was very patient with my questions and advised me based on my pet's age, pet's medical needs and cost. I compared with Costco and other insurances and Embrace my decision using my USAA discount.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Joseph

Embrace has been responsive and timely…

Embrace has been responsive and timely over the past 14 years, insuring both of my Shih-Tzu’s. Just like people insurance, premiums increase, as you would expect; as they became older.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review