Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,882

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,882

Updated: April 16, 2024

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: Bob Sheeler

Wellness Care

We have a 20 month old Great Dane. We have had Embrace for the last year. Very happy with their customer service and explaining coverage. Pice of mind knowing they have our back.
5

out of 5

POSTED: | BY: Brad

Best insurance

I purchased wellness and injury coverage for our bullmastiff puppy. Not only has the wellness coverage come in handy for all those puppy check ups but he has developed food and environmental allergies. His allergies have required numerous vet appointments to help treat his symptoms. Embrace is quick to complete your claim and sends you a check or directly deposit your money within a few days. I would highly recommend this insurance to anyone eho owns a pet.
5

out of 5

POSTED: | BY: Auston

Best choice ever.

Embrace does a great job and has always been very helpful.
5

out of 5

POSTED: | BY: Kalia

Excellent Service

They have been fantastic! My dog has a sensitive stomach and allergies so we are at the vet a bit more then normal.
5

out of 5

POSTED: | BY: KATHY MARKS

Exceeding my expectations with every contact

I am the proud mommy of two adorable 8month old teenage cats. I adopted them in Feb. 2015, after having lost my best furry friend 3days before Christmas just a few months prior to kidney failure. I thought about health insurance before, and can't help wondering if poor Squeakers may have had a different outcome. So, even though I live on nothing but social security, insurance for my new babies was decided a necessity. I couldn't be more pleased. For my well visit, I scheduled for the first day I received my check, submitted my paperwork, and received a direct deposit in less than 10 days! That allows me to "borrow" bill money for end of month bills, or (end of month food money) with the comfort that processing and deposit will allow for them to get paid. THAT is an added comfort I could only have hoped for!
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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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