Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,332

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: Jennifer Weir

I am grateful to have Embrace Pet…

I am grateful to have Embrace Pet Insurance as an option for my cat's insurance needs. I have held an annual policy since 2018 and have had great customer service and support whenever filing a claim. They are incredibly quick in responding which I appreciate very much so.
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5

out of 5

POSTED: | BY: Nancy Oba

I was stressing over coverage

I was stressing over coverage, but the agent I spoke to was very understanding and helpful.
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5

out of 5

POSTED: | BY: customer

Claim process was very very easy.

Claim process was very very easy.
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5

out of 5

POSTED: | BY: Maggie Roa

Embrace it has been the greatest choice…

Embrace it has been the greatest choice I did as an insurance of my Italian Greyhound Puppy. Every claim has been paid in a short period of time. Italian greyhounds have very delicate legs and unfortunately my little puppy had 2 fractures in less than 3 months. Embrace have been great reimbursing me the thousands of dollars I had to spend.
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5

out of 5

POSTED: | BY: Diane Cerf

Embrace Dog Insurance is the Best.

Embrace has always payed on time and 80 percent of all claims. I have had them for 14 years with my last dog and my current dog and have never incurred a problem. I highly recommend Embrace to all my friends with pets. Diane and Frisco
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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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