Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,755

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.
1

out of 5

POSTED: | BY: Chris Simonin

Do not use this company

Worst decision I made was switching to this insurance company. Final act was when they refused to cover any cancer for my dogs in the future because a skin tag that was removed wasn’t aspirated. Even though notes from vet stating nothing unusual noticed on removal they refuse to cover any type of cancers in the future. Trash company!
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5

out of 5

POSTED: | BY: Marisol Ibanez

Great customer service & easy to use.

Great customer service & easy to use.
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5

out of 5

POSTED: | BY: Virginia Kane

This is a wonderful company to work with. So easy

Easy easy easy
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5

out of 5

POSTED: | BY: Rancho Santa Fe

Another highlight is the comprehensive…

Another highlight is the comprehensive coverage offered, which includes not only accidents and illnesses but also wellness visits, vaccinations, and even alternative therapies. This holistic approach gives me peace of mind, knowing that I'm prepared for any situation that may arise. Additionally, I appreciate the absence of hidden fees or complicated Embrace is transparent about what is covered, making it easy to understand the policy. Overall, I highly recommend Embrace to any pet owner looking for reliable, affordable, and thorough pet insurance. Their commitment to customer satisfaction and the well-being of our pets is truly commendable. With this insurance, I feel confident that my furry companions are protected, and I can enjoy every moment with them, knowing I’m covered in case of unexpected veterinary expenses. Thank you, Embrace for providing such wonderful peace of mind!
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5

out of 5

POSTED: | BY: Theresa

Well worth the cost

I have been an Embrace customer since 2022 and I couldn't be happier with them. The claims process is super easy and quick. The response time is also fast. My only regret is not having purchased insurance for my cat sooner because of a preexisting condition that she developed before I purchased the policy, but still, the premium is affordable and has been well worth the cost.
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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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