Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,000

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: Mia's Mom

I ruff (LOVE) embrace

I love embrace! It seemed like we had to take our dog to the dr/er every month, so we finally got insurance. Now I don't know how any pet owner can live without it. They have modern tools with upload online and they communicate quickly and effectively about claims.
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5

out of 5

POSTED: | BY: Davina Gooden

Great service and prices are very reasonable

Great turn around time Great service and prices are very reasonable
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5

out of 5

POSTED: | BY: Monica

Great service

I have had insurance on my two dogs Darlie and Chubbs with Embrace since 2020 and just love the company. I get quick responses with questions fast claim payments and when I have to call them I always get a live agent that is very helpful and never made me feel rushed.
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1

out of 5

POSTED: | BY: James

Seems like a scam

Seems like a scam. They sent emails to the Human Society for a month, the Human Society responded that they had nothing other than a rabies vaccine, and then Embrace keeps asking for records and then denied the claim. I would try another insurer.
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3

out of 5

POSTED: | BY: Stephanie Hayden

Great service but can't afford it or my…

Great service but can't afford it or my USAA insurance because I have to protect my house, sorry to see it go. My ptsd puppy in training really deserves his one year check up. Such is life spoiling pets isn't everything but thank you. WiLL be back after getting disability and a job back.
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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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