Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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: Woodford's Mom

Working with Embrace

Working with Embrace during a difficult time with my pet couldn't have been a better experience. The insurance you sign up for is what you get. Thanks for such a pleasant experience.
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1

out of 5

POSTED: | BY: Quentin Collins

I wish I could give Embrace a zero…

I wish I could give Embrace a zero stars but I cannot. I have had Embrace for almost three years and that was three years too many. I filed a claim for my pups broken foot in July of 2021 and it is still pending. They need the pups first vet records (which were supplied with our current vets records) to show he had no bone issues. We received him at eight weeks and immediately went to the vet and got a clean bill of health. Embrace just doesn’t want to pay. DO NOT USE THIS COMPANY.
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5

out of 5

POSTED: | BY: Cindy

Good coverage and their website is so…

Good coverage and their website is so easy to use when submitting claims!
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5

out of 5

POSTED: | BY: Kimberley

very inexpensive and the claims process…

very inexpensive and the claims process is very quick and easy. We have put all our dogs with embrace.
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5

out of 5

POSTED: | BY: Brenda Coston

If I could hug Embrace

If I could hug Embrace, I would. If it were not for this company, there is no way I could afford pet vet bills here in Hawaii. As a teacher, I have a very limited income, but every single time Embrace comes to my rescure and allows me to keep my fluffy tabby cat Baby in tip top shape. I am beyond happy with this compnay and have told SOOOO many people. I have the vet office referring pet parents to Embrace too! In this mean, cruel world, where no one seems to care, I am glad you do. There is a bright light on Embrace. Thank you for ALL you do!
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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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