Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,339

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: joyce

My pet went to the emergency vet with…

My pet went to the emergency vet with pneumonia and a stay overnight. Bill was several pages with diagnosis, etc and within two days of submitting, I received 80% of my bill back. Any future vet visits for his pneumonia are covered, too.
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5

out of 5

POSTED: | BY: Jeff C

I purchased Embrace Pet Insurance for my Doberman Pinscher, Raven.

I purchased Embrace Pet Insurance for my Doberman Pinscher in July 2023. Raven turned one year old in April 2024 and we have used our Embrace policy on several occasions. For those of us who know puppies, no matter how good we are at pet parenting, there may still be some gastric issues, bumps and bruises, or other medical need that require a trip to the Vet. Embrace has done a fantastic job for me. They have made filing a claim very easy and they have agreed with every claim I placed. My experience with Embrace Pet Insurance thus far has exceeded my expectations, and Raven likes it too!!!
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5

out of 5

POSTED: | BY: Bill Sheets

Incredibly efficient and easy to file…

Incredibly efficient and easy to file my claim. Received the check for emergency care for our dog within a week. Thank you Embrace!
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5

out of 5

POSTED: | BY: James Stankiewicz

Everything has always been great ,but…

Everything has always been great ,but it's getting to expensive. 2 cats and 150. + per month
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5

out of 5

POSTED: | BY: Lauren Privette

Embrace is an excellent company.

Every embrace representative that I have ever dealt with has been so professional, efficient, helpful and compassionate. This company provides so much peace of mind, makes it so simple to file claims, and quickly sends out checks for reimbursement.
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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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