Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

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: Elizabeth Bandomer

This is an excellent the best pet insurance site

This is an excellent site I am happy to be able to send my claims in The refund is excellent I tell everyone about embrace pet insurance. It is excellent
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5

out of 5

POSTED: | BY: Angelique Dunbar

I've been with Embrace for over 18…

I've been with Embrace for over 18 years. Quick easy fast reimbursement. Great service.
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5

out of 5

POSTED: | BY: Victoria Lynn Berdnik-Atkinson

We love Embrace

We love Embrace! They make claims easy and great coverage
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5

out of 5

POSTED: | BY: L Kinsey

Embrace is the BEST!

We purchased our Embrace Pet Insurance for our 4 dogs in May, 2024. At the time we had 3 German Shepherds and a Japanese Spitz. We have had many dogs over the years but never insured any of them. Since we got all of these dogs in 2023 I thought 2024 was a great time to get pet insurance. The main reason was because of the 3 German Shepherds. Well in August, 2024 my Japanese Spitz puppy was diagnosed with cancer. Our Embrace insurance paid for her weekly oncology visits until the end of October with no hesitation. I would submit her invoices and have the reimbursement in our account within 1-2 days after submission. Embrace made a terribly sad situation better by us not having to worry about the financial side of it. Embrace did everything their insurance promised! I recommend to all friends with pets to get Embrace!
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1

out of 5

POSTED: | BY: Consumer

Don’t cover anything after you’re with them

Terrible about finding reasons not to cover any conditions after you’ve been with them for a while. At the same time they greatly increase premiums annually. I’ve been with them since 2019, terrible treatment of loyal customers.
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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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