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.
5

out of 5

POSTED: | BY: Julie

The only positive experience I've ever had with an insurance company

I adopted a senior chi mix in 2019, and he was insured through Embrace from 2020 through 2026. Every experience I had with the company was great; all of my claims were covered, and when I needed an explanation there was a lways someone to help. The Paw Desk, a 24/7 helpline for pet parents, was a fantastic resource. Everyone I encountered at Embrace was compassionate and knowledgeable, I had to cancel my policy this week. The premiums became unaffordable at renewal. If it made sense for me to keep Embrace, I would. They have kept both of us comfortable for six years.
Read more on Trustpilot
5

out of 5

POSTED: | BY: michael coringrato

Always a great experience with embrace

Always a great experience with embrace. Great company in a market of not great companies
Read more on Trustpilot
1

out of 5

POSTED: | BY: Kevin Mccauley

Called to get help sending in claims…

Called to get help sending in claims and was basically told to go on line and down load them . I do not have the ability to do that.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Phil reeves

First candid conversation was good

First candid conversation was good. Rep was honest and discussed issue with previous insurance company a reasons for leaving, mainly deception.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Maureen M

I enrolled my dog in embrace when she…

I enrolled my dog in embrace when she was 1 year old. Premium was high but after considering it for awhile I signed up for $58.06 /mo. Two years and no submitted claims it is increased to $69.05. When I spoke to customer service they said rates are adjusted every year! What would the cost be when my dog gets older? Certainly unaffordable. No mention of yearly adjustment when I enrolled or I never would’ve. So I just wasted $1300 thinking I secured premiums on well dog that would remain during the life of my dog. Sorry embrace it is not for me
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