Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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: Ron Layton

Embrace is still the best pet insurance…

Embrace is still the best pet insurance available…we have 2 cats insured that require medical assistance. Embrace has very simplified digital processing procedures for claims and has always been extremely responsive in refunding expenses. We routinely get refunds into our banking account within only a few hours of claim submission. A USAA company…we get a 25% discount on our pet insurance premium as USAA members.
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4

out of 5

POSTED: | BY: Dr. Robert Quinn

Your phone people are excellent

Your phone people are excellent. Claim form was easy to complete. Annual price increase is untenable!
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5

out of 5

POSTED: | BY: Pene Owens

That it’s available and I can order it…

That it’s available and I can order it on Amazon.
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5

out of 5

POSTED: | BY: bill rouse

I wish my life was as unencumbered and…

I wish my life was as unencumbered and filing a claim for our boy BEHR. Embrace is awesome.
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5

out of 5

POSTED: | BY: Melton

PLEASE never catch yourself without pet…

PLEASE never catch yourself without pet insurance. After an unexpected spinal cord injury in March 2024, we incurred a huge cost. We decided we needed to insure our pets afterwards. After a month of research, I chose embrace! Within 2 days of filing my claim after an accidental poisoning, I had the refund in my account. I will never switch pet insurance! Choose 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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