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.
1

out of 5

POSTED: | BY: Pablo Benitez

STAY AWAY FROM EMBRACE ! They do not pay the claims!

Embrace will look for an excuse to not to pay the claims. In my case I submitted a claim in June3rd 2024, they claimed that they needed the medical records, which i submitted to be accepted as a client, and they indicated they did not received the medical records. Actually I have verbal confirmation they received those medical records and they did not hanged the hold on my claims. Complete Incompetence. I strongly suggest to go to Nationwide Pet Insurance. As soon as I can I will come back to contract that insurance. Pablo Benitez
Read more on Trustpilot
4

out of 5

POSTED: | BY: Adrian Burga

Embrace has been there for my dog Keanu…

Embrace has been there for my dog Keanu when he was feeling ill. It helps to choose a plan that works well for you and your pet. It helps to get reimbursed after a pricey visit. There was time where Keanu was nauseous for a week and took him to emergency care and the bill was hefty but it helped my little guy. I later got reimbursed a descent amount to help ease my finances due to the deductible I have on his plan. If you want to save some money with certain visits embrace is there and there customer service is there to adjust the plan to your needs.
Read more on Trustpilot
4

out of 5

POSTED: | BY: Dr. Monica Y McCall

The process for filing seemed easy…

The process for filing seemed easy enough. The security of knowing that there is insurance for emergent situations is comforting as well.
Read more on Trustpilot
2

out of 5

POSTED: | BY: Joseph Lipcovich

Been over a month on my first claim and…

Been over a month on my first claim and it still says “pending”. I called and was pretty much told that it’s still being reviewed. I have submitted everything that was requested, even when I first signed up and still no answers. My other pet is insured by Nationwide and I’ve never waited longer than 3 days most claims are paid within 24 hours. Will change my review if/when claim is completed or a better answer is given.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Lois W.

We are long term customers

We are long term customers. We always have Embrace Insurance on our Great Danes, just in case something awful happens. Vet medicine is usually more expensive the larger the pet, so for us it just makes sense. Fast and easy claims process.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review