Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,934

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 W

I have only had to file a couple of…

I have only had to file a couple of claims but the process is very easy. So far they have been very prompt and very easy to work with. Very happy.
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5

out of 5

POSTED: | BY: Virginia Kane

Easy claim procedure

Easy claim procedure
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5

out of 5

POSTED: | BY: Alika

embrace is the only reason Bella is alive 14 years later

We have been with embrace since 2010 and I am beyond SO ETERNALLY grateful for this amazing company and family! Without them, I’d never have be able to afford to give my 4lb tea cup yorkie (little angel in a doggy body) an amazing life that every pet and animal deserve. When I got 8 week old Bella my mom told me to get pet insurance. Hands down, Embrace seemed like the best across the board. They were clear on their annual cap and reimbursement percentage per claim so that’s who I went with. I would have never expected to need to them as soon as I did when Bella was viciously attacked at just 3 months old. Without Embrace, I wouldn’t have been able to afford Bella’s life saving ER care after the owner (of the white Malamute which was off a leash while she rollerbladed) took off leaving me with not just a disheartened heart in humanity, but also left me with a hefty medical bill followed by a year of intense home health care, medication, re-integration therapy, and doctor visits for Bella. Embrace annual fee is worth every single penny!
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5

out of 5

POSTED: | BY: ARing

Claim submission is extremely easy and…

Claim submission is extremely easy and claim payment is timely. Highly recommend Embrace!
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5

out of 5

POSTED: | BY: Lindy Witz

The Best Pet Insurance

I have had Embrace since Sept 2022 for my adorable, lovable cocker spaniel. They always process claims very quickly and I have only had to call them once and that was just this week and my problem was solved immediately
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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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