Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: Hector Melendez

I have always had good experiences with…

I have always had good experiences with Embrace. They take good care of our Ozzy. This is a must if you have pets.
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5

out of 5

POSTED: | BY: Kristan Winand

We’ve been very happy with the ease of…

We’ve been very happy with the ease of submitting claims and the fast review and reimbursement over the past several years (since 2019). Haven’t had a problem yet!
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5

out of 5

POSTED: | BY: Sophia Storm

Great insurance

So far, I’ve had a great experience with Embrace. They process claims very quickly and I love how customizable their plans are. They’ve covered over $4,000 in my dog’s vet bills and have never given me a hard time.
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5

out of 5

POSTED: | BY: Patricia Rogers

A great pet insurance company!

Embrace has paid all of our claims very promptly. Our wellness claims are paid at 100% and that includes all shots, flea and tick and heartworm medications You can pick your own deductible and percentage to be paid on all accident and illness claims. I love this company!
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5

out of 5

POSTED: | BY: MF

Wonderful and user friendly

Wonderful and user friendly! Great customer service and coverage for my pet!
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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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