Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,852

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: Stacey

Great Insurance

I am glad I made the wise decision to buy insurance through Embrace. I have been with them since 2019, and they always process claims efficiently. I also love that they have wellness coverage, covering annual visits for shots and preventative medications. __Stacey Fisher
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3

out of 5

POSTED: | BY: Corinne

Still having issues with filing claims

Still having issues with filing claims. Site only wants to give you Vets name in drop down. Wont let you put in your own such a Petsmart. Cais are processed quickly but waiting fir the check is another thing entirely. Process could be more user friendly
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1

out of 5

POSTED: | BY: Kimberly

Completely disappointed in Embrace Pet…

Completely disappointed in Embrace Pet Insurance. I was a loyal customer for over 20 years. This year they increased my premium from $2748/yr for $8000 coverage to $6720/yr. Huge increase all at once. Embrace recommemded I increase deductible and decrease coverage. Absolutely ridiculous and offensive!
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5

out of 5

POSTED: | BY: Dana

Great company

I’ve used Embrace for a couple years. So far each time I’ve submitted any claims they have been completed in timely manner. Any calls I’ve made for clarification have been professionally & knowledgeably addressed. Very satisfied with this company.
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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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