5
out of 5
POSTED: | BY: Ronald Greene
Excellent service.
Excellent service.
Read more on Trustpilot
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.
1
out of 5
POSTED: | BY: Shirley Toole
Why we cancelled our pet insurance !!
After rescuing our dog in March 2024 we chose to invest in pet insurance to defray veterinary costs. We chose Embrace Insurance, what a mistake we now much regret. The cost 66.00 a month for our rescue of 7 years old with a 250.00 deductible per year with No Wellness visits included.
Pre-existing conditions not covered which we fully understood, apparently everything imaginable is a pre-existing condition as we were not reimbursed a single cent for any of the claims we submitted. We received a notice that our monthly bill would rise in April 2025 to 112.00 per month, almost doubled because she is now a year older. Beware Embrace Insurance is not worth the money we lost nearly 800.00 in 1 year and we are letting you know this so you don’t lose out too.
5
out of 5
POSTED: | BY: Christine Burkhardt
I wish my health insurance was this good.
I wish my health insurance was this good. I got my pup Embrace pet insurance three years ago when he was about three months old. I haven't had any serious dog problems (knock wood) but every time I submit a claim, I am reimbursed, or provided with a valid reason why not, within 48 hours. They don't cover everything as much I would like (who does) but they are not sneaky about what is and is not covered and they don't make you request reimbursement three times before sending the check (I'm talkin to you fepblue.org).
2
out of 5
POSTED: | BY: Carriann Isman
Chief's claims are consistently denied…
Chief's claims are consistently denied or not paid correctly. His chronic ear infections and skin allergies were deemed to be pre-existing, which Embrace would have never even known had I not provided his vet records prior to me even rescuing or owning him. Ever since, if there is any mention of an ear re-check, the rest of the claim, like dental cleaning, is not paid in full or correctly.
1
out of 5
POSTED: | BY: Bryan Benoit
I have had Embrace Insurance for…
I have had Embrace Insurance for several years, I have submitted several claims but have yet to see a check. Embrace claims the vet is not providing the proper paperwork but has not explained to me what exact paperwork I need. Don't know what else to do about my max. Been a member @USAA for more than 40 years. Have never had such deplorable service.
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.