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: Ms. LUCIA VAN BEBBER

Dr. West is the best

Dr. West and Vanessa were great and really were so kind and attentive to Sheba. Parking wasn’t the best but the kindness of the staff was what mattered. I’m hoping Sheba won’t be so skittish in the future as she seemed really calm after the visit.
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5

out of 5

POSTED: | BY: Susanna K.

Researched & chose Embrace

We've never had pet insurance before, but our adult daughters encouraged us to do so--we're very glad we did! After detailed price comparisons, we're happy to have chosen Embrace, based on customer satisfaction ratings and value. We had an outstanding policy rep (Jason) who thoroughly explained various aspects of pet insurance and answered all our questions, engendering confidence in an Embrace pet policy.
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5

out of 5

POSTED: | BY: Marilyn Robles

Easy to make claims

Easy to make claims
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4

out of 5

POSTED: | BY: Andrew

usage of my coverage

The claims are taking longer than expected to complete, the deductible is much higher than I originally remember.
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5

out of 5

POSTED: | BY: Stephanie Emery

Whenever I call

Whenever I call, I get a great person who knows their stuff really well. But now, I just filed a claim and talk about an easy process . You just get walked right through it easy easy easy 5/4/25 Thank you for that
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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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