Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,774

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: Linda Do

My babies have been with Embrace for 15…

My babies have been with Embrace for 15 years. My baby boy Kenji was 13 years old when he passed away on 10/3/2021. My baby girl Kiki will be 9 years old in February. I rarely have any issues with Embrace. Most of my claims are reimbursed.
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5

out of 5

POSTED: | BY: Robert Dastrup

Quick reimbursement

I received my reimbursement from Embrace within a week of submission.
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5

out of 5

POSTED: | BY: Gregg Settle

it was easy to file a claim

it was easy to file a claim
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3

out of 5

POSTED: | BY: Customer

Don't give a policy if you're not going to let your customers use it.

Happy to charge us for a policy for our cat while simultaneously denying any future claims due to a "lack of medical history" since we were out of the country for two years. Don't give a policy if you're not going to let your customers use it.
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5

out of 5

POSTED: | BY: Rancho Santa Fe

I’ve been with Embrace for 3 years

I’ve been with Embrace for 3 years. My experience is Embrace pet insurance has been excellent for the past three years. The claim process is easy with a user-friendly platform and quick picture uploads. They have approved all claims without rejection and cover a wide range of conditions, including emergencies. Payments are directly deposited into your bank account with minimal wait times. I highly recommend Embrace to any pet owner.
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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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