5
out of 5
POSTED: | BY: Lynn Jones
Easy process
Easy process, much more so than the competition. Simple app.
Read more on Trustpilot
4.9
out of 5
Number of reviews 20,339
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.
4
out of 5
POSTED: | BY: Melissa Hagen
easy to do claim online
easy to do claim online. wish the % given back to me was more...like 90% !
5
out of 5
POSTED: | BY: bill rouse
Entering a claim is seamless and quick.
Entering a claim is seamless and quick.
Embrace is a God send for my wife and I.
We had to send our little girl over the rainbow bridge yesterday and Embrace has made the claim process welcoming.
5
out of 5
POSTED: | BY: Sheryl Cousineau
Embrace is quick to review claims.
Embrace is quick to review claims.
5
out of 5
POSTED: | BY: Jeramie Monninger
Proper Communication is the key
Update review as of February 25,2025
I have to say that i must change my review to 5 stars. this company came through and did everything they always promised. had difficulty at first with the communication with the vet in regards to our reimbursement but now i can say as of last week, we were fully reimbursed and this company came through. I recommend using them, they provide as promise.
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This is the worst pet insurance we ever had but our first insurance too. We paid for 18 months, we had multiple cats in the policy. We trusted the reviews until we experienced the service ourselves. They are awful to deal with. Takes a very long time to email back. and they ask for too much information from us instead of contacting the vet /hospital which we gave them the whole complete contact information. They are not helpful at all when it comes to reimbursement time. They said they will contact the vet for more info, and the vet didn't get any calls from them, we asked the vet to call this company and no one is getting back to them. They are just so complicated to deal with until we gave up and ended up just forgetting about this insurance and canceled after paying religiously for 18 months.
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 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.