Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,890

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: Andrea W

Happy customer!

I have had Embrace for 3 years and am very happy with them. I have not had any issues with claims not being processed and they pay quickly. I would highly recommend to anyone thinking of pet insurance to reach out to Embrace.
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5

out of 5

POSTED: | BY: jordan

Easily worth the cost for reassurance

Embrace has always been easy to work with, they are easy to get ahold of and answer any questions. Getting embrace was a huge help in us not worrying about the cost of care and instead focusing on making sure our puppy gets the best care.
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5

out of 5

POSTED: | BY: Monica Ballay

Excellent

Excellent! They are friendly, quick, and efficient! I have shared their information with many people!
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5

out of 5

POSTED: | BY: Shea

Embrace is AMAZING

We recently adopted a puppy, and I insisted with my boyfriend we get pet insurance, as I don’t have it for my elderly dog and know how expensive trips to the vet can be. Low and behold, just slightly under two months later, she has a freak accident and breaks both of her femurs. We had literally only paid out $82 in premiums, but Embrace just covered $5,000 (our yearly max) of her now $7,600 bills. Their claims process was SO easy. I took pictures of the bills, uploaded them to the app and within 2 days, they answered and said they’d be covering our claim. We LOVE Embrace and would recommend them to anyone, and have been! I wish I could give them more stars!
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5

out of 5

POSTED: | BY: Jacqueline Gill

Very easily navigated.

Very easily navigated.
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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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