4
out of 5
POSTED: | BY: C L
Easy to complete and upload claim…
Easy to complete and upload claim document
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: Sandeep Kumar Mahajan
Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company
Beware! Embrace and Fraud Are Synonyms – Stay Away from This Company
I have never written a negative review before. Typically, when I encounter a bad experience, I try to resolve it directly and find an amicable solution. However, that was impossible with Embrace.
I purchased a policy for my yellow lab—my child—a few months ago and followed every rule in their book to ensure that, if and when I needed to file a claim, it would be handled fairly, ethically, and professionally. I submitted all required medical records dating back to 2023, completed orthopedic examinations, and even called to confirm the absence of pre-existing conditions. I did everything right.
Yet, when I submitted my very first claim—for a simple case of diarrhea—it was denied. Embrace falsely linked it to an isolated, one-time incident of hypersalivation, which was completely unrelated. Their process is designed to delay, deflect, and deny rather than support their customers.
This company operates unethically, immorally, and, in my opinion, engages in deceptive business practices. Embrace is a fraud—stay far away!
Update: Embrace has labeled a single, isolated instance of hypersalivation from March 2024 as a “pre-existing condition.” This one-off occurrence, which has never happened again, was linked to my claim for vomiting and diarrhea—yet they deemed it pre-existing. If this isn’t fraudulent, unethical, and morally wrong, I don’t know what is. Stay away from Embrace, folks—you’ll thank me later.
5
out of 5
POSTED: | BY: Martha Thornton
I've had embrace for three and a half…
I've had embrace for three and a half months and when I was traveling with my puppy she got intoxicated so she had to stay at the emergency pet hospital, when everything was over with and I put in my claim they were extremely fast working on it and also very patient with me when I had questions and they explained the deductible and everything in a way that it was easy for me to understand, so I'm very satisfied with Embrace.
5
out of 5
POSTED: | BY: Trish Scalercio
Working with Ash and him taking time to…
Working with Ash and him taking time to explain the types of coverage was extremely helpful! All my questions were answered and he was so patient!
From the get-go, I can tell that I will continue to have excellent customer service from Embrace
5
out of 5
POSTED: | BY: Paula King
Long time customer
My dog is almost 10 and I have had Embrace insurance for most of his life. Their customer service is very good and they process claims promptly.
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.