5
out of 5
POSTED: | BY: customer
Very personable and empathetic and…
Very personable and empathetic and comforting
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,322
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: Micki Harriman
The Best I’ve Ever Had
I have had pet insurance for over 20 years, so I pretty much know about how the pet insurance industry works. Eight years ago I got my new puppy, Tala (husky), and I immediately acquired insurance after shopping around and looking into old insurance companies as well as new. I found one and I thought it was going to be a good fit. It was not. I did not have many claims, but each one was met with scrutiny (even with vet records), and it was clear I needed to find another company.
This is when I found Embrace!! I can’t say enough about how great this pet insurance is. They have so many options for deductibles and coverage and the Wellness add on is nice at least for me.
The App is very user friendly, their claims process is excellent with pretty much within days getting reimbursed.
Recently my husky got very sick and we ended up at the emergency not once but twice. After paying the vet bills upon leaving which the bills stacked up to be quite substantial, within days of filling out my claims, I was paid.
Recently one of the PDF’s I sent was not clear, Embrace reached out to me and to the vet office for clarification through emails. I had to call them and I actually got a human right away who was knowledgeable, courteous and very helpful. I highly recommend Embrace!
5
out of 5
POSTED: | BY: Debra Adkins-Johnson
Embrace for my dog is awesome
Embrace for my dog is awesome. Quick review and pay of claims. Website easy to use. Have recommended to several people.
5
out of 5
1
out of 5
POSTED: | BY: Shirley Toole
Why we cancelled our pet insurance !!
After rescuing our dog in March 2024 we chose to invest in pet insurance to defray veterinary costs. We chose Embrace Insurance, what a mistake we now much regret. The cost 66.00 a month for our rescue of 7 years old with a 250.00 deductible per year with No Wellness visits included.
Pre-existing conditions not covered which we fully understood, apparently everything imaginable is a pre-existing condition as we were not reimbursed a single cent for any of the claims we submitted. We received a notice that our monthly bill would rise in April 2025 to 112.00 per month, almost doubled because she is now a year older. Beware Embrace Insurance is not worth the money we lost nearly 800.00 in 1 year and we are letting you know this so you don’t lose out too.
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.