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: Martha Thornton

I've had embrace for three and a half…

I've had embrace for three and a half months and when I was traveling with my puppy she got intoxicated so she had to stay at the emergency pet hospital, when everything was over with and I put in my claim they were extremely fast working on it and also very patient with me when I had questions and they explained the deductible and everything in a way that it was easy for me to understand, so I'm very satisfied with Embrace.
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5

out of 5

POSTED: | BY: Trish Scalercio

Working with Ash and him taking time to…

Working with Ash and him taking time to explain the types of coverage was extremely helpful! All my questions were answered and he was so patient! From the get-go, I can tell that I will continue to have excellent customer service from Embrace
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5

out of 5

POSTED: | BY: Paula King

Long time customer

My dog is almost 10 and I have had Embrace insurance for most of his life. Their customer service is very good and they process claims promptly.
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1

out of 5

POSTED: | BY: Yoojin Chon

Even though I provided all the…

Even though I provided all the information, they kept asking for similar details, and it still took almost three months.
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4

out of 5

POSTED: | BY: Pamela Barrs

Year 2024 was my beginning with Embrace

Overall they were pretty good. I'm not computer literate so had some trouble figuring out how to send the claims. Ended up mailing them. Communication was good. I got reimbursed for most of my claims. Only one I had trouble with was the claim for the ER visit. Only complaint I have is the first year my premium was a little over $300 THIS YEAR it's over 1600 plus. I haven't turned in any claims for 2025. I was not happy and don't understand why, Hope it goes well this year.
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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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