5
out of 5
POSTED: | BY: Victoria Lynn Berdnik-Atkinson
We love Embrace
We love Embrace! They make claims easy and great coverage
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4.9
out of 5
Number of reviews 19,756
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: L Kinsey
Embrace is the BEST!
We purchased our Embrace Pet Insurance for our 4 dogs in May, 2024. At the time we had 3 German Shepherds and a Japanese Spitz. We have had many dogs over the years but never insured any of them. Since we got all of these dogs in 2023 I thought 2024 was a great time to get pet insurance. The main reason was because of the 3 German Shepherds. Well in August, 2024 my Japanese Spitz puppy was diagnosed with cancer. Our Embrace insurance paid for her weekly oncology visits until the end of October with no hesitation. I would submit her invoices and have the reimbursement in our account within 1-2 days after submission. Embrace made a terribly sad situation better by us not having to worry about the financial side of it. Embrace did everything their insurance promised! I recommend to all friends with pets to get Embrace!
1
out of 5
POSTED: | BY: Consumer
Don’t cover anything after you’re with them
Terrible about finding reasons not to cover any conditions after you’ve been with them for a while. At the same time they greatly increase premiums annually. I’ve been with them since 2019, terrible treatment of loyal customers.
3
out of 5
POSTED: | BY: David Marks
Like most pet insurance there is a scam…
Like most pet insurance there is a scam aspect to it. You really don’t get the coverage you get in human medical insurance. I used embrace for 5 years and the rates have gone up between 20% and 35% each year, so I constantly have raise my deductible and decrease my yearly aggregate amount they pay. I have swithed to Prudent Pet insurance and saved 1300 for the year for the same coverage, so let’s see what happens. Not sure why embrace invited me to review when I just canceled my policy?
1
out of 5
POSTED: | BY: Christina Scioli
This is a scam
This is a scam. I am having the exact same issues as the other comments on here, however, I am filing a class action lawsuit as this is a clear “bait and switch” strategy that is wrong. Taking advantage of people’s emotions to want to help their animal and then stealing, stating as well that you have a waiting period of 14 days before you can even use the insurance yet it says you also only have 14 days to request a refund. If anyone sees this and is dealing with the same experience, my father who is an attorney in contract law is assisting me in a class action lawsuit. If you want to join please email me christinascioli34gmail.com. It’s time things change and I’m going to make time because this is evil. Same pattern in their response, they appear to lean on fine print and loosely interpreted policy clauses to deny coverage—suggesting that a required veterinary exam was missing (when in fact it was submitted) or implying that cancer falls outside of covered conditions. These tactics deflect accountability from their own clear marketing claims and the actual policy language, which explicitly state that coverage applies to diagnosed illnesses and does not exclude cancer.
I have reported them to them to the:
- The State Department of Insurance;
- The Federal Trade Commission (FTC) for deceptive business practices;
- The Better Business Bureau and relevant consumer platforms.
I recommend everyone who is dealing with them just trying to wear you out and give you a run around and hope you quit - don’t. Report them to the above and contact me. There is power in numbers.
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 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.