Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,874

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: Donnita Valerio

Charlie's experience

On Dec 12 2023 we took Charley in for his yearly visit. At that time he had been eating less and had vomited the night before 3 times. Did labs that didn't look bad. Then had xrays to see if he ate anything unusual. From there he had phenmonia. Lungs had fluid. After we got fluid off with food stimulant and antibiotic he is great now. Embrace was great working on his claims and dept money in our acc after deductible and 20%. The only thing is our monthly amount went from 112 to 151 dols a month. We have been with embrace 5 yrs amount has gone up alittle each yr but this yr is a 40 dol a month increase just wondered if it was due to Charley's claims this yr most other yrs were minimal claims Thanks Donnita Valerio
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5

out of 5

POSTED: | BY: Pamela Fowler

the best Insurance

Fast claim process and quick payments Representatives are kind and friendly
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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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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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