Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 17,140

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.
3

out of 5

POSTED: | BY: Kathrin Leuchtenburg

Disappointed after 5 years

I liked the first 5 years my dog was insured with Embrace for $55 per month. We had one claim that exceeded our deductible and the process for reimbursement went easily. However, I was incredibly disappointed when my dog turned 5 and we moved to a different state that my monthly premium more than doubled to $120 per montb when other insurers such as Met Life Pet Insurance gave me a less expensive rate, $45 per month, for the same coverage ($15k per year with a $1k deductible) I had with Embrace for the same dog - 5 year old Newfiedoodle. I moved from LA to PHX and all my other insurance costs (home, car, health etc.) have gone down rather than more than doubled.
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5

out of 5

POSTED: | BY: Willie Bahr

Extremely easy to navigateWe Love Embraceand submit a…

Extremely easy to navigate and submit a claim. We love Embrace. Our experience has been great. Very nice and professional reps.
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2

out of 5

POSTED: | BY: Tammy Walker

Very little coverage

Don’t understand if you covered the bill, why you only paid less than 300.00 when we had to pay the vet almost 900.00. Not very good insurance.
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4

out of 5

POSTED: | BY: Alice

Satisfactory service

Ultimately, I was reimbursed for my dog's emergency care, minus the deductible. The process took several weeks.
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1

out of 5

POSTED: | BY: Juana Abreu

Just don't bother

Just don't bother. I've tried so many pet insurances and all of them including Embrace find any reason to deny claims. Save up for the eventual medical bills and you will save money. What a waste.
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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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