Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: J Haskett

The best of the best pet insurance

The best of the best pet insurance. Every year, I am so grateful that I purchased pet insurance for our animals. Our German shepherd was recently diagnosed with urinary incontinence. Since the summer of 2021, we started pet insurance. I consider our pet insurance as one of the best decisions I’ve ever made! Embrace is the BEST!
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1

out of 5

POSTED: | BY: Danny Inge

worthless

TO expensive, no coverage after paying $67 month for years
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2

out of 5

POSTED: | BY: Sharon Wultich

Ridiculous the amount of back and forth…

Ridiculous the amount of back and forth with Embrace and what they opted to not cover. Waste of money and will go back to the other pet insurance we use for our other pets.
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1

out of 5

POSTED: | BY: Jennifer Aschoff

A scam. Find another company.

A scam. Find another company. I have a 1 yr old dog with no issues. She cut her leg on a hike and the bill was $1100. Embrace reimbursed me just ~$200? Ok, $500 deductible... but that should be about $600 back to me?
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5

out of 5

POSTED: | BY: mike

Super service provided by Embrace!!!

My dog went for an echocardiogram at vet specialty cardiologist yesterday. Total bill was 975.50. I submitted the claim today and in a few hours I received notice that the claim was complete. I received all the money except for the annual deductible and the copay that selected when I purchased this insurance approx 4 years ago. Embrace is outstanding. I had the same experience with another claim 2 years ago. There is no fuss, it's an easy process and everything is covered that exactly as is stated in the policy I purchased. I researched so many other insurance carriers before choosing Embrace. They are the BEST pet insurance out there. Don't necessarily pick the insurance company that works with your vet -- look around and compare. Thanks again to Embrace!!!!
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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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