Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,305

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: Semyon Rubinchik

It was straightforward and step by step…

It was straightforward and step by step instructions were provided. The whole process did not take long
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5

out of 5

POSTED: | BY: TDS

Outstanding Support!!!!

We have been with Embrace since August 2024. Our coverage includes wellness, accident and illness insurance for two adult male cats. We just submitted our first two illness claims resulting from a significant, initially life threatening, stroke suffered by one of them. Treatment included emergency, ICU and stabilization procedures at one practice for two days followed by two additional days at a neurological specialist and advanced care facility. Embrace approved both claims within 24 hours. The claims process was both flawless and seamless - truly outstanding in all regards. In all aspects our experience denoted a competent, professional and caring company that provides its advertised services in an exemplary manner. Highly recommend in all regards. 6.0 on a 5.0 scale.
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5

out of 5

POSTED: | BY: David Lynam

I like the ease and speed filing a…

I like the ease and speed filing a claim takes.
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5

out of 5

POSTED: | BY: MJ

Quick and easy claim submission

Quick and easy claim submission. Usually doesn't rake long for reimbursement.
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5

out of 5

POSTED: | BY: Kim

Quick and easy submission

Quick and easy submission. Terms of the policy seem to be fair and really help. Years ago I had pet insurance which did little to nothing.
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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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