Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,867

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: Lindy

Customer service and adjusters are…

Customer service and adjusters are professional, prompt and helpful. I have had this company for both of our pets since January 2024. Out of all of the claims I have submitted, I’ve only been disappointed and disagreed with one claim that was denied. I would highly recommend this pet insurance company.
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1

out of 5

POSTED: | BY: Gary Powers

Slow, useless

Slow, uninformed, lazy looking for any reason they can to deny a claim, buyer beware!!
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5

out of 5

POSTED: | BY: Clay Bogusky

Very positive experience!

Very positive experience. Good communications and they didn’t do anything unexpected. I’m very pleased that I have pet insurance with Embrace.
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5

out of 5

POSTED: | BY: Karen Brunson

Embrace is the best pet friend!

Embrace has been wonderful in their quick and expert response to my pet's claims for his emergency treatment. We are so happy that we signed up with Embrace a while ago!
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5

out of 5

POSTED: | BY: Tracy

Easy to submit claim

Easy to submit claim on app Responds quickly to messages sent via app Covers what I need it to cover Quick turnaround for claims processing to payment into my account
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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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