Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Craig Wanke

Coverage is good and service is great

Coverage is good and service is great. I wish my human health insurance was this effective.
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3

out of 5

POSTED: | BY: Dianne

Customer service

I called to check on claim status and to change payment for my renewal due on 1/11/25 and it now appears my policy was cancelled. I do not see an option to renew with my new payment method. Bad communication sadly. I called today and had a fantastic rep , all is good and thank you for the follow up.
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5

out of 5

POSTED: | BY: Gromit's Mom

"All good."

Every person I've ever spoken with at Pet Embrace has been courteous, patient, knowledgeable and helpful. My issues are always resolved.
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1

out of 5

POSTED: | BY: Linda Craig

I would give -1 if I could

I would give -1 if I could, they tell you one thing to get you to sign up (4dogs) but when it comes time to JUST add to the co pay, not even pay you for any thing, then everything changes! had a new vet that day (that I swear must work for them) said my 3 year old very healthy boy who twisted his neck, have some sort of Orthopedic disease!!! Even after I spoke to the vet and she CORRECTED the paperwork, they were terrible! I cancelled all of my dogs insurance with them. Again, you posted “Pre existing” yet the vet herself told me she corrected that in a letter to you. So I am still very glad I canceled all 4 of my policies with you!
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5

out of 5

POSTED: | BY: Liz

Spoke to a few representatives about my…

Spoke to a few representatives about my new claims, my girl Ember has been very sick, so a few claims were submitted that needed some explanation to me and the customer service reps were very kind and caring and were a great help.
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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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