Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Susan Pettit

TERRIFIC COMPANY.We have had Embrace for over 7 years

We have had Embrace for over 7 years. Service has always been excellent. Have called Customer Service a couple of times and Representatives were friendly, caring, knowledgeable and reassuring. Claims processing is FAST. We highly recommend Embrace Pet Insurance.
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5

out of 5

POSTED: | BY: AT

Great customer service

The customer service person was kind, thoughtful, professional and made sure I was taken care of.
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4

out of 5

POSTED: | BY: Yuliia Williams

Fast payments and ease of filing claims

We issued insurance for our Doberman 3 years ago, but we had to use it since April 2024, when after an X-ray, ultrasound, and a trip to the emergency, we found out that our Anubis had DCM... All claims were quickly reviewed and paid according to our plan. Thanks to the whole Embrace team!
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5

out of 5

POSTED: | BY: R miller

The tool makes the process soooooo much…

The tool makes the process soooooo much easier. I love the new process
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5

out of 5

POSTED: | BY: Christina Koundouriotis

I have always had a positive experience…

I have always had a positive experience with Embrace. It is easy to submit claims refunds are deposited directly into my checking account within a few days of approved claim(s). Also, customer service associated are easy to talk to and very helpful. I also recently lost a pet and Embrace was very compassionate. They sent me a beautiful sympathy card with seeds embedded with instructions on how to plant it to create a memorial for my Bently. I was very touched. I highly recommend Embrace pet insurance.
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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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