Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,784

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: Sadie presutto

Amazing service!

Amazing service!! Excellent staff and wonderful coverage!! My girl got sick and the bills were huge! After the deductible, I got so much back!! Thank you!!
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5

out of 5

POSTED: | BY: Pat H

The representatives on the phone are…

The representatives on the phone are very helpful and courteous, it is very easy to submit a claim on the app. The claims are reviewed in a timely manner and reimbursements arrive quickly.
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5

out of 5

POSTED: | BY: N. Vlachos

Embrace was there for us

When my dog had a medical emergency, Embrace came through for us. It was easy to use the website to upload our documentation and they processed all of our claims very quickly--I was impressed!
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1

out of 5

POSTED: | BY: Laura Peck

NOTE FORMAT

I bought pet insurance for two cats, but Embrace would not approve due to vet note format...had to be SOAP notes. Notes were comprehensive so I insured with another company.
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1

out of 5

POSTED: | BY: Daniel H

Increased rates 35%in 2 years, healthy dog

Increased rates 35% over two years on a dog in perfect health. Not a single claim. He’s only 3yo. I called and asked for an explanation. They lied about “pricing is what it is as it’s a highly regulated industry…” They parroted lines used for humans insurance that are not at all applicable to dogs insurance. Gross. Switched to another company.
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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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