Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,319

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: Margaret Bradford

Claims

For the first time I submitted some claims for my dog's medical expenses. The online submission was easy and within 10 days I received payments for my claims.
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1

out of 5

POSTED: | BY: Alyae Morgan

They take your money

They don’t cover things pet parents usually need done. They renew automatically without your consent and won’t give you a full refund. Don’t buy their insurance, they’re terrible.
5

out of 5

POSTED: | BY: Madeline Shirts

I’ve been paying for pet insurance for…

I’ve been paying for pet insurance for 5 years and never thought it would pay off. Recently my dog got extremely sick and we spent $4000. I’m so thankful we got quite a bit of that back. Thank you!
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5

out of 5

POSTED: | BY: Martin Pressman

Hunter tore his CCL/ACL and had a…

Hunter tore his CCL/ACL and had a repair with tibial osteotomy. Price $7000! Embrace covered at my 80% coverage policy rate after deductible was met. Had an EFT of $5600 in 4 days! Yes they wanted the invoice . I uploaded it on the app .
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5

out of 5

POSTED: | BY: Robin Forrest

Embrace pet insurance was there for me…

Embrace pet insurance was there for me in my darkest hour and lifted one of the great burdens off my chest. Thank you.
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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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