Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Natalie Ullmann

Thanks...again.

I"m a grumpy customer, but Embrace continues to be helpful in caring for my kitty, who is now 13+ . They don't require pre-certs, but my kitty was having a really expensive procedure and I was stressed, so I submitted it anyway. They approved it and while there were no guaruntees it mitigated my worry a little bit about the expense, and gave me the breathing room to focus on caring for my kitty before during and after her procedure. Thanks Enbrace, for your help in maintaining quality of life for my little one.
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4

out of 5

POSTED: | BY: Linda G

Embrace has been a good pet insurance…

Embrace has been a good pet insurance company. My only issue is that I wanted to change the deductible on our policy which renews 9/4/25. Your website states that I cannot increase coverage but is reducing the deductible included in that? I find this confusing. Please let me know asap. Thank you Linda
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5

out of 5

POSTED: | BY: Glaurea Wittmann

You can trust!

We always received positive answers from Embrace! We are with them for years and we highly recommend this insurance!
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5

out of 5

POSTED: | BY: Kim

Each step of the claim submission…

Each step of the claim submission process is done one page at a time which makes it easier to navigate.
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5

out of 5

POSTED: | BY: joseph chiacchiarini

filing a claim is so user friendly

filing a claim is so user friendly
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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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