Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,930

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: Sophia Curry

Embrace is the BEST pet insurance your…

Embrace is the BEST pet insurance your money can buy. Please be sure to insure your BABIES because we never know when they will get sick.
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5

out of 5

POSTED: | BY: Alyssa Snider

Submitting a claim was extremely easy!

Submitting a claim was extremely easy!
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5

out of 5

POSTED: | BY: Priya

Incredible support as our senior cat crossed the rainbow bridge

We unexpectedly had to say good-bye to our senior cat in October 2024. It was so challenging, and the Embrace team not only made it as painless and smooth as possible, but they also sent us a card embedded with seeds that we could plant in our kitty's memory. So grateful for their compassion and support during this difficult time (and was unparalleled to the experience I had with the unexpected death of a parent!!). Thanks so much to the Embrace team!
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5

out of 5

POSTED: | BY: Jo Ann Withington

Embrace Insurance and its customer…

Embrace Insurance and its customer representatives are wonderful! They were so thoughtful in their response when I had to put my kitty to sleep. Glad I chose Embrace! I highly recommend Embrace.
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5

out of 5

POSTED: | BY: Tim Cavanaugh

With a new puppy

With a new puppy, got Embrace Insurance early on and had never had Pet Insurance before. I was hesitant about difficulties submitting claims, but went online and found it to be easier than I expected.
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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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