Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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: Joanie Hinds

I’ve been with Embrace since LiLy was a…

I’ve been with Embrace since LiLy was a puppy. She is 12.5 now. And Zeva is 10. I have no complaints with Embrace. Always been very helpful with me.
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5

out of 5

POSTED: | BY: Daniela Christopher

Super easy to submit claims !!

Super easy to submit claims !!
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1

out of 5

POSTED: | BY: John Golling

Difficult submitting claim Maybe a refund,maybe not

Difficult submitting claim
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3

out of 5

POSTED: | BY: Toby Mersky

Called to cancel our existing policy…

Called to cancel our existing policy that we had for 16 years. Was always very happy but the cost became not doable for us. The rep suggested we could take an accident only policy for $2800 for the year. We decided to do that and asked if we could still submit our claims that we had not previously submitted from this year., We were told we had 60 days only to submit our claims. That would have brought us to August 8th, 2025. Today we tried to submit our claims (July 6th ) and we were unable to submit. Im hoping tomorrow when their office opens we will be able to submit our claims as we cannot afford to lose a substantial amount of money due back to us.
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5

out of 5

POSTED: | BY: Bev Taylor

Prompt and efficient claim processing

I was very impressed with the prompt (next day after claim was filed) response that my claim had been approved and the dollar amount that would be direct deposited into my account. I was so pleased that I added insurance for my 2nd cat Daisy Mae. I only hope that I will receive the same claim experience should I need to file a much larger claim.
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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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