Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Ryan Olson

A life saver for emergencies

We got Embrace after we had to pay for our dog’s ACL surgery. We recently just had to have emergency surgery for her for bladder stones, and Embrace was a life saver and covered over 80% of the costs. A loyal customer for life!
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5

out of 5

POSTED: | BY: Karen

Helpful and honest advice

I was given good advice when to add well-ness care for my dog. I was thankful for his honesty and not trying to get me to spend more money.
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5

out of 5

POSTED: | BY: Julie Goodwin

Thank you for covering Marshall’s…

Thank you for covering Marshall’s surgery. It was life saving. So glad that we have EMBRACE!!!!
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5

out of 5

POSTED: | BY: Vanessa Healy

Could not recommend a better insurance

Could not recommend a better pet insurance company. They processed my claim quickly and sent a thorough email afterwards going over all the details. I will recommend Embrace to all my friends and family 👍 so grateful, absolutely worth it
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5

out of 5

POSTED: | BY: Wale

The app/platform is easy to use

Well versed staff, compassionate, and professional. When I have to reachout, its been a great experience dealing with every person on the team
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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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