Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,997

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: Tim

We highly recommend Embrace to all pet…

We highly recommend Embrace to all pet owners. Best pet insurance, we have 3 dogs enrolled for 8+ yrs. and all claims get processed on time without any hassles. Policies are easy to understand and process is super easy, friendly staff, online claims take less than 5 minutes and it seems to get easier every time, I have to use. Thank you Embrace for providing excellent service. We are your customers for life.
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5

out of 5

POSTED: | BY: Steve “LJ” James

Simple to file a claim

Simple to file a claim. Now we wait and see if they pay it.
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5

out of 5

POSTED: | BY: Monique Watson

Easy to log a claim

Easy to log a claim
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4

out of 5

POSTED: | BY: Tom Larkin

Claim submission always simple

Claim submission always simple
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1

out of 5

POSTED: | BY: Ronald Verville

Embrace your wallet!

I just canceled my policy with Embrace Pet Insurance and now they asked me to write a review. I canceled because their rates increased by 26.87% for 2023 over 2022, and without any claims filed on my part. Excessive increase and unnecessarily greedy! Didn't realize Embrace meant Embrace my wallet!
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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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