Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 16,709

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: PL

Efficient and Great Customer Service

The claims process was very straight forward and efficient. We submitted three claims due to a recent vet emergency and received funds from our claims within 4 weeks. The customer service offered from Embrace was awesome and they kept me copied on all correspondences with my vet office. Highly recommend Embrace to all of my pet friends.
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5

out of 5

POSTED: | BY: Christina

5 STAR

Very pleased with Embrace Pet Insurance! I love the wellness benefits.
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5

out of 5

POSTED: | BY: Sue Baltimore

Too early to give an opinion

Actually way too early to give an honest review about the use of the policy but the gentleman I dealt with on the phone to discuss plan options was very helpful. I look forward to working with this group in the future, if any dog medical issues arise. Plan effective November 3, 2024.
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5

out of 5

POSTED: | BY: Selviana B.

Thank you

Thank you, Embrace, for reviewing my dog’s complicated claims thoroughly. I appreciated all the follow up questions throughout the review process. Thank you for your service. We are so glad that Charlotte is with Embrace!!
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3

out of 5

POSTED: | BY: Towanda Moncrease

The Worst

Learned they were only paying a one time $300 for my puppies care. My former insurance reimbursed for all medical and dental expenses. This is a ripoff insurance. If you have an older dog it may be okay, however, not for puppies and younger dogs. Paying $100 a month to be reimbursed $700 for the year was their best offer. Embraceable on your pockets is what they are.
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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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