Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,957

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 17
  • 13,957

Updated: January 02, 2024

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: Natalia Hallam

I hated the entire experience!

I hated the entire experience. I had to provide documents from 4 years ago from two different vet clinics. It was ridiculous. Then my claim took about a month and a half to be processed before I got any sort of refund. I highly discourage anyone getting pet insurance. Save a little money each month and invest it by receiving 5% APR. Way better than giving your money to these insurance companies. They created more stress for me during a time of need. I cancelled and will not be looking back.
5

out of 5

POSTED: | BY: Desaree

Easy process and quick resolution

I can’t explain how grateful I am that this process was so simple! We got a terminal diagnosis for our pet and the claims process was easy and quickly resolved. I highly recommend this company.
5

out of 5

POSTED: | BY: Amber

Smooth process

The claims were easy to submit and got deposited directly into my bank account soon after I submitted them. The whole process was smooth.
5

out of 5

POSTED: | BY: Colleen

I love Embrace Pet Insurance

I love Embrace Pet Insurance! The app is easy to use and claims are completed quickly. Their customer service is fast and knowledgeable. I highly recommend them!
5

out of 5

POSTED: | BY: Marcia Bethel

I just signed up with Embrace so have…

I just signed up with Embrace so have not had a chance to submit any claims. However, a friend of mine has been with them for many years and has been happy with their service.

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 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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