Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,007

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: A.N.

So easy to submit claims

So easy to submit claims, no surprises with coverage. Everything is right at your fingertips in your account online or in the phone app.
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1

out of 5

POSTED: | BY: Nicholas McGraw

Brutal bad

Brutal bad. Pretty much what you are reading reviews to try to avoid. Delays, denials, dumb answers...
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5

out of 5

POSTED: | BY: Leigh

Highly recommend Embrace

We have had Embrace insurance for 10 years and would highly recommend them. Insurance is reasonably priced, the online chat has been helpful at times, and the ease of claim submission has been much appreciated. Thank you Embrace.
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5

out of 5

POSTED: | BY: Tiffani Stratton

Tiffany explained Embrace Pet Insurance…

Tiffany explained Embrace Pet Insurance to me thoroughly! After taking time to listen to my 2 dogs (*kids) information she took time to help me decide what policy is the correct match for my babes. She was very professional and kind. Definitely deserves a round of applause for her effort! Possibly a Starbucks as well ☺️💛!
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5

out of 5

POSTED: | BY: Tami

I love Embrace

I love Embrace! They took great care of my last dog and me, and I knew who was going to insure my new puppy. The staff are wonderful, the policies very clear and transparent, the claims process super easy and user friendly. I've referred so many people to Embrace, I've lost count.
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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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