Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,991

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: Linda M

I highly recommend Embrace

This was my first time getting pet insurance and I’m glad I chose Embrace for my 2 cats. Filing a claim was easy and the reimbursement was super quick! I highly recommend Embrace for your fur babies!! You never know when you will need it.
Read more on Trustpilot
5

out of 5

POSTED: | BY: Customer

Very easy to make claim on line

Very easy to make claim on line
Read more on Trustpilot
2

out of 5

POSTED: | BY: MJ

Not worth the price

Have had this insurance for a couple years and had to use it for the first time this year. Had a procedure pre-certified and approved and then rejected after the procedure. Then a stomach bug medication that should have been covered was rejected for being a “wellness medication” even though it was for an active illness. The insurance cost has gone up significantly every year so it’s no longer worth it for our family
Read more on Trustpilot
5

out of 5

POSTED: | BY: Ruthie

First Claim Experience

This was my very first claim through Embrace Pet Insurance. Their process was clear on how to get medical information to them. Their status updates were also great.
Read more on Trustpilot
1

out of 5

POSTED: | BY: Alejandro

In the full year I've been with them I…

In the full year I've been with them I placed 4 claims. They covered 0 of expenses, every time apologizing and saying they can't cover pre-existing conditions such as...wait for it...diarrhea. Only to then call Diarrhea the most common symptom for almost any and all problems dog might have. Last time was less than 2 weeks ago (around 5/13/2024) when I took one of my dogs to an ER service because a) explosive diarrhea out of the blue, b) dehydrated and panting and c) extreme abdominal pain. The diagnosis after paying $1200 was gastroenteritis which is guess what...evidenced by the swelling of the colon and wait for it...diarrhea. So they can't cover anything. Not even the xrays they took to discard obstructions. Not even the lab tests. But they do want me to renew with them so they can get another 1K from me next year. Insane. Awful.
Read more on Trustpilot
Please leave a review

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.
Provider website

Get a quote today

Leave a review