Embrace | Pet Insurance Review

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.
5

out of 5

POSTED: | BY: Allyn Taylor

For me you guys are the perfect…

For me you guys are the perfect definition of customer service. You care about our pets and have a strong desire/commitment to helping us through tough situations. We ran into a problem with a claim and you all fixed it the same day. I really appreciate your support and understanding!!! Keep up the outstanding work!!!
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4

out of 5

POSTED: | BY: Jessica Sweeney

Looking for insurance

Looking for insurance, I'm looking for my policy to be easy to understand an manage. Embrace has been that so far, though 4/5 is due to the issues with my card on file even though the card on file has been correct and useable.
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5

out of 5

POSTED: | BY: Diane Wessing

Love Embrace!

Love Embrace!! Everyone is pleasant and professional. I Email the Vet's invoice and notes. Get a response same day they were received. A day or two later refund issued to my checking account. Or if needs be they call the Vet and let me know. All done swiftly. If I have questions I call and get answers. Policy concerns explained thoroughly. My cats are seniors. Their requirements are a bit more demanding due to age. Could not be happier with Embrace. Highly recommend.
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5

out of 5

POSTED: | BY: Maria

Easy to file a claim

Easy to file a claim. Instructions are great, app and website are easy to navigate, and reimbursements are quick!
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1

out of 5

POSTED: | BY: Consumer

I sought a policy with Embrace as…

I sought a policy with Embrace Pet Insurance as referred by “some” of the Veterinary providers for my dog, inherited from our deceased daughter. I did not understand that “anything” previously and historically recorded as a malady would render “all claims null and void”. I paid in approximately $4,000 to Embrace ($161 monthly) from June 2023 to September 2024 plus $Thousands for his care with these same veterinarians. I was ill advised and ignorant of the clauses that Continued to suck money from me without any hope of restitution. This whole industry is a scam. Just because “I should have read the fine print about prior existing conditions” does not make it right for the whole industry to continue to suck the pet owner dry. This is hurt, upon hurt, and being taken advantage of by unscrupulous companies, just because they can. I hate having been a sucker to the whole shebang!!! I will tell everyone that I know and come in contact with to stay away from this fleecing encounter.
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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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