Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,971

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: NM Route 66 Museum

Very helpful and friendly staff

Very helpful and friendly staff. Neighborhood rumors are very true...the Edge Hospital is a great place for Vet Care for your pets.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Kelly Borelli

I have been with Embrace since Jasper…

I have been with Embrace since Jasper was 3 months old, he is now 7. We have had a 2 claims, both were paid quickly and no question on them. From typical puppy antics to a recent very serious unexpected back surgery both were a breeze to file and get reimbursed on. I have a moderate deductible and a cap of $8000. It did go up after this last claim but he is getting older and the customer service person worked with me to get the renewal down. I used to have wellness on this policy as I believe in preventive care but It was really not worth it in my opinion. Glad we had this policy for this last unexpected emergency.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Michael C.

They used to be good. Not anymore!

They used to be good. But, once you renew your policy, they start doing whatever they can to deny claims, their responses get slower and slower, and their prices go up. They try to relating EVERYTHING to a prior condition in an effort not to pay the claim. My dog recently visited an ER because she had bloody diarrhea. They denied the claim because she has a previous condition of osteoporosis-artheritis. Huh??? No longer happy - at all!
Read more on Trustpilot
1

out of 5

POSTED: | BY: Becky Sewell

We filed a claim and our insurance rate…

We filed a claim and our insurance rate doubled every month. Talked to them and said that happens and wanted me to take some things off the insurance plan to bring it down a little bit. To have it doubled is pretty bad, so disappointed in the insurance. So beware if you file a claim!!
Read more on Trustpilot
3

out of 5

POSTED: | BY: Laurie Varnau

When pets get older

Customer service is great. Great insurance for pets, Until they get older. Been with Embrace for over 15 years and have had older pets with issues and no big price change. Now all of a sudden they want to triple my premiums due to pet being older with some claims. One pet $400 a month
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