Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,854

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.
2

out of 5

POSTED: | BY: Adam Reiter

Premium doubled

Almost doubled our premium and we’ve had zero claims. Our dog is almost 5 and we started her insurance within a few months of getting her. There are better options out there and I’d recommend comparing them prior to getting Embrace.
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5

out of 5

POSTED: | BY: M. Auer

Very happy with Embrace

Embrace reps are quick and responsive. My claims were processed overnight and reimbursement paid within a few days. My corgi broke her leg so I was super thankful for having pet insurance. And when my own dog needed documents, they were very specific and timely on what I needed. Very happy with Embrace.
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5

out of 5

POSTED: | BY: JAN FOSSO

Quick settlement

Quick settlement of claims and friendly and professional service team/
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5

out of 5

POSTED: | BY: customer

Great pet insurance

Great pet insurance. Been with them for 7 years now. Very helpful and simple to deal with. Online claim submission is quick and easy.
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5

out of 5

POSTED: | BY: Joycelyn

Happy to have the coverage!

Happy I have the coverage for our fur baby as it has recouped way more than expected regarding the actual cost. Additionally, I batch submitted my claims anticipating a long, tedious process and was pleasantly surprised when each claim only took minutes using the app… for ALL of them! The reimbursements are already in the bank and were fair. Start to finish it only took days! Thanks Embrace!
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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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