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: WMC

Having Embrace pet insurance gives me peace of mind.

Accident and illness Pet insurance is something you hope you never need, but when illness occurs with your pet you are very thankful that you have. With Embrace Pet Insurance, I pick my deductible and yearly maximum payout. Claims are payouts are done quickly.
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5

out of 5

POSTED: | BY: Emily J.

Rare Company Gives You Exactly What They Advertise

So I'll say that Embrace did send an email asking us to rate our experience. They did not ask me to give them a specific number or promise anything in return. Normally I'm very resistant to doing reviews that have been requested, but I think I owe it to Embrace to do so. Our 2 year old cat began declining quickly in December 2023. We had both our cats insured by Embrace since we got them, thinking that maybe this will be useful when they are old. We poured over our terms and conditions, making sure that all these tests were covered, but we waited anxiously, expecting the rug to be pulled out from under us. And...it wasn't. They covered exactly what they said, and did so quickly, even for a first claim. They probably saved my boy's life because I'm not sure we could have started the right treatment in time with the tests we could have afforded out of pocket. Now we have a cat that we can treat, and he will hopefully live a long life thanks to Embrace.
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2

out of 5

POSTED: | BY: Zack Medlock

Slow to load

Slow to load. Will not take pdf
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5

out of 5

POSTED: | BY: Vincent Cregg Vasquez

They process my claim very quickly.

They process my claim very quickly.
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5

out of 5

POSTED: | BY: Betty Hamather

I am new to Embrace

I am new to Embrace. Anytime I have contacted them they have been professional and caring. I look forward to working with them in the future.
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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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