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: Nick Ramsey

We chose Embrace over Spot and Trupanion and we are so happy

We have had a great experience with Embrace Pet insurance so far. It's is really great to have someone to help us keep our little girl healthy. They are friendly fast and helpful. I researched multiple companies and found that Embrace provided the best coverages and reimbursement options with a little bit longer of a reimbursement time. With prices and vets in LA pet owners need a little bit of help and Embrace provides that for us. I look forward to a long relationship with Embrace. I had 2 15 year old dogs that recently passed. I am still paying off medical bills a year later and will probably still be for a while. Embrace has already helped multiple times with our new pup and I am so glad we found each other.
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5

out of 5

POSTED: | BY: Shanny Woo

I LOVE this pet insurance

I LOVE this pet insurance! 🩷 I've had it for over year with two fur babies on the policy. The rates are great. It's easy to send claims and the team members are amazing! Every time I have a question, I feel satisfied after hanging up. I like rewarding the team for a job well done.
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5

out of 5

POSTED: | BY: Nancy Millar

The website is so user-friendly it…

The website is so user-friendly it makes filing claims super easy.
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5

out of 5

POSTED: | BY: Maraea Melander

I love Embrace

I love Embrace! As someone who used to work in the veterinary field I know how expensive costs can get. A recent career change made me invest in pet insurance. I and my pets are happy we chose Embrace! They are so quick with claims submitted and I always have peace of mind when it comes to signing estimates for my pets. My family uses it and I would recommend it to everybody!
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1

out of 5

POSTED: | BY: Josette

Every claim is automatically declined

Every claim is automatically declined. Wellness clams for grooming are not listed to process.
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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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