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: Amanda

Love this coverage!

I have both my dogs on an Embrace plan. I’ve had nothing but good experiences so far, filing claims have been easy through the app and website, the reviews done pretty quickly and I have most my money for the claim back in my account within a good time frame. I would not be able to afford one of dogs care without them, so thankful for this insurance company.
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5

out of 5

POSTED: | BY: Carol Osman

Embrace is AMAZING!!

Embrace is AMAZING!!! They are easy to work with and handle claims immediately.
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5

out of 5

POSTED: | BY: CMDR

Great Pet Insurance

Embrace is very affordable pet insurance and they have handled our claims for our dog quickly and efficiently. I highly recommend them!!
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5

out of 5

POSTED: | BY: Stacey

Prompt claims processing

I am glad I made the wise decision to buy insurance through Embrace. I have been with them since 2019, and they always process claims efficiently. I also love that they have wellness coverage, covering annual visits for shots and preventative medications.
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2

out of 5

POSTED: | BY: Leslie Mowers

After one year they doubled my monthly charge

I have been with them one year. My monthly bill was around $68. My dog is two-years old. But next month my monthly bill goes up to to $141, more than doubled. When u did try to process a claim, they wanted more information each time, fighting me to get a refund. Poor form, Embrace. I left due to service and extreme increase in the monthly charge
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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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