5
out of 5
POSTED: | BY: Sharry Burnett
Easy to set up and helpful assistant
Easy to set up and helpful assistant
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4.9
out of 5
Number of reviews 20,336
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: Christopher Price
Embrace has enabled me to give my dog the care he deserves!
Embrace has enabled me to give my dog the best care possible without having financial issues. A couple years ago my boy Louie was diagnosed with Addison's disease which requires monthly injections and steroid pills. I pay for the pills myself however, I do file a claim for his monthly shot. It's always difficult when you live on a fixed income to ensure that your pet gets their healthcare needs taken care of. Embrace has made that possible for me and my boy Louie, and he is living his "best" life thanks to Embrace.
2
out of 5
POSTED: | BY: Kaitlyn Artau
Read the fine print !
We have 4 dogs,who rarely get sick, are not exposed to dog parks.
Our youngest pet was placed on insurance the day she was adopted.
The bill we incurred was over $5000.00 We paid 100%. Embrace asked for medical history starting on January 1, 2025. The puppy was not BORN until April 1, 2025 so how could there be a medical record?
The claim for severe abdominal problem was denied in part because she had motion sickness during exclusion period. BS.
1
out of 5
POSTED: | BY: Anne Mulligan
I tried to cancel my policy
I tried to cancel my policy. I was transferred to the adjuster who then hung up.
4
out of 5
POSTED: | BY: SSheridan
User friendly form
Thank you for designing a user friendly insurance form. The whole experience was smooth and directions extremely well written.
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 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.