Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Lindsay Klorer

Fantastic customer service

Fantastic customer service! After calling to inquire why a couple of claims were denied coverage, the associate I spoke with (Tyler) took care of it right away. He found the appropriate channels to look into this further, and in the end, resulted in us being reimbursed. Thank you very much!
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5

out of 5

POSTED: | BY: Ra Ki

Best Decision - Embrace Pet

Embrace Pet is the best decision I made for my puppy's welbeing. Team @EmbracePet are excellent , supportive and very transparent. The claims processing is a breeze with simple navigation. Appreciate all of your efforts ! Wishing you a happy new year 2025 ! Thanks, Ravi
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1

out of 5

POSTED: | BY: Susan Gajewski

I am appalled

I am appalled, I have never submitted an insurance claim for my pet in 16 years until this time. The claim was for $548 ad Embrace refunded my $22???? PLUS before they approved my claim they sent me my renewal cost for the new policy which has now doubled in price. It's time for me to look for another insurance company for my pet.
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5

out of 5

POSTED: | BY: Nicole

Definitely Recommend Embrace!

Embrace helped us out a ton! We adopted our cat a couple of years ago at the age of 10, and she recently needed a couple of teeth pulled due to gingivitis. We knew that she had dental work in her past, which is partially the reason why we decided to opt for pet insurance, although the price point did make me hesitate at the time. I am pleased to say that Embrace paid for itself, covering pretty much the entire bill, save the copay and deductible. They were very timely in their decision (we heard back within 2 weeks moving into holiday season), and communicative regarding potential issues in coverage. I would absolutely recommend Embrace to anyone looking to insure their pet.
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4

out of 5

POSTED: | BY: Tammie

Company

Company, was able to correct and take care of claim for me.
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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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