Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,985

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: Steve Lapham

Embrace Gives Peace of Mind

The claims procedure couldn't have been easier. You just submit the vet bill and a reason for the visit. We have a dog and two cats. Over the last few years we have submitted minor claims which were always paid promptly. Then, in the Fall of 2022 one our cats went into kidney failure. Our bill was $24K. After accounting for the co-pay (90%) and deductible ($500) Embrace promptly paid the claim. Needless to say we were delighted. The reason we got pet insurance is because in the past I've had to do the gut wrenching calculus of how much my pet's life is worth versus how much I can afford, and I never again want to be put in that position again.
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5

out of 5

POSTED: | BY: Tom Wilson

The process is easy

The process is easy, with clear instructions and a nice sense of humor ("space dog").
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5

out of 5

POSTED: | BY: Bailey Castro

Very convenient and easy to understand!

Very convenient and easy to understand!
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4

out of 5

POSTED: | BY: Del Johnson

Luna’s annual exam

This was my first invoice. It was easy.
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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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