5
out of 5
POSTED: | BY: Elissa Fritcher
Fast claim processing
Quick communication and claims processing.
Read more on Trustpilot
4.9
out of 5
Number of reviews 19,744
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.
2
out of 5
POSTED: | BY: Alon Peled
They keep raising their premium
They keep raising their premium, making the insurance useless
1
out of 5
POSTED: | BY: customer
I have always been satisfied with…
I have always been satisfied with Embrace until I got my stray 8 wk old kitten in July.We took her to our vet the day after we got her. She was wormed and given flea and tic meds! I put her on our Embrace policy with our other two cats who are 8 yrs old!She was on long enough to be covered for an accident but not for an illness. We came home from church about a month after we got her and she could not put any weight on her leg! She was absolutely fine when we went to church! Since it was Sunday, we took her to the emergency vet! $700 later it was determined she had a soft tissue injury, nothing broken! We took her home and she was fine the next day, just limping slightly! Because no one witnessed what happened to her, Embrace said it could be a pre- existing condition and refused to pay! Before that Sunday, the kitten had no problems walking, nor has she been diagnosed with any problem to her leg since! Embrace has always been great with paying our other claims, but this one seriously fell through the cracks!!
5
out of 5
POSTED: | BY: Alicia Neppl
My pets are family, and Embrace treats us that way!
I honestly can’t say enough good things about Embrace. Dealing with vet visits can be so overwhelming, but every single person I’ve spoken to at Embrace has been an absolute gem—so kind, genuinely empathetic, and incredibly knowledgeable. You can tell they aren’t just reading from a script; they actually care about you and your pet.
What really blew me away is how much stress they take off my plate with their mobile app. I used to dread the idea of insurance paperwork, but the app makes the claim process so fast and easy. I just snap a photo, upload it, and the team handles the rest. It’s such a relief to have a company that combines a true human touch with technology that actually works. It is also such a comfort knowing that the financial side of my pet's care is one less thing to worry about.
5
out of 5
POSTED: | BY: Chanda LeVasseur
Excellent customer service and while…
Excellent customer service and while the premiums do increase yearly, it’s just the cost of business. I love the ease of submitting claims and as a 10+ year customer I’ve seen their intentional efforts to implement innovative processes and resources to meet the needs of its customers.
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 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.