Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,927

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: 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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5

out of 5

POSTED: | BY: Jamison Beaver

I slept easier

I've never gotten insurance for my pets, when I bought my most recent pup it was 'part of the deal'. I am extremely happy I did before even picking him up,as we only had him 2wk when he was attacked by a large dog. My baby had to spend 2 nights at the Vet ER and it was nice knowing that I would get back a good portion of the cost.
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4

out of 5

POSTED: | BY: James Pruett

Overall great insurance

Overall great insurance. Needs to improve communications
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5

out of 5

POSTED: | BY: Buddy King

We've had Embrace over a year and have…

We've had Embrace over a year and have experienced an excellent claim process and accurate reporting from your staff.
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5

out of 5

POSTED: | BY: Bruce Milano

Excellent process

Excellent process! Very simple and quick. The gentleman who helped me was very friendly and helpful.
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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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