Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Lyla

Embrace makes my vet care affordable…

Embrace has made vet care affordable for me. I decided on pet insurance with my current dog after years of going without for other pets. Never again will I be a pet parent without insurance. The claim process is simple to do and reimbursement has always been prompt. I realize rates have increased, but so has everything else! Thank you for a great service.
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5

out of 5

POSTED: | BY: Sharon

Embrace makes the claim process easy…

Embrace makes the claim process easy and fair. Very pleased!
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5

out of 5

POSTED: | BY: marianne mantyla

I don’t know what I would do without…

I don’t know what I would do without Embrace. My Siamese was in an accident where someone wasn’t looking out for a cat and closed a big heavy hurricane door on her left hind leg. I had confidence knowing that with embrace I wouldn’t worry about the financial side of things, no hesitation . All I had to worry about was getting her out of pain and being seen at the ER.
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1

out of 5

POSTED: | BY: KNYC

Dog dies and the bright side is I can cancel Embrace

The big positive about my dog dying is that I can cancel an overpriced and largely useless policy with Embrace. Have been a policyholder for 4 different animals for over 10 years. Used to like them and enthusiastically recommend them. Something went grossly wrong with this company around 2021-22. Astronomical rate hikes, nothing covered, every claim submission a problem. Look at Forbes' ratings or WSJ. There are much better options these days than Embrace. All I can say is Embrace has essentially stolen from me and ruined my life dog health care wise for at least the last 3 years. AVOID.
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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.
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