Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,864

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: Emily Brown

Loving Embrace!

So far, our experience with Embrace has been great! They have wonderful communication with us. While the pet insurance is a bit pricey for our family, we are so grateful to have coverage for our dogs and know that we can take the best care of them!
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5

out of 5

POSTED: | BY: Paul Devin

New Lab Puppy

Great Customer Service and very happy since being a Service Member carrying USAA insurance that they directed me to the best Pet Insurance out there! Very knowledgeable customer service staff and overall great satisfaction with EMBRACE!!!
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4

out of 5

POSTED: | BY: Ronnie Sweeney

I got a payment plan set up.

That I got a payment plan set up. My Embrace wouldn't let me process it on the website. This "try the website first", when you call is frustrating because I call only after I try to do it myself on the website.
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5

out of 5

POSTED: | BY: Barb Polahar

We LOVE Embrace Pet Insurance

We LOVE Embrace Pet Insurance! They are always so quick to pay, and the coverage is very comprehensive. I have confidence that my sweet pup can get whatever medical care she needs, without having to worry about an unexpected expense.
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5

out of 5

POSTED: | BY: Vincent Aliberti

Embrace checks all the boxes!

We have had Embrace for 9 years now and they have not disappointed. Friendly staff, easy to upload claims, user friendly portal, never an issue on covered claims.
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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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