Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,006

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.
1

out of 5

POSTED: | BY: JB

Pays nothing

Pays nothing, just one example: insisted my elder dog's pneumonia was a preexisting condition from 3 years ago. Yes, he has had pneumonia for 3 friggin years! I cancelled, it is pointless as they will only take your money and reject every claim.
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5

out of 5

POSTED: | BY: Sharon Aiken

Great service

If you have a pet, this is the insurance you need. My Rudy has been a sickly fellow for 2 years. I have never had a problem getting his vet bills paid. Rudy is at the vet hospital at least 3 times a year, along with vet visits. Embrace pays 90 percent after the deductible, including his heart medications.
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5

out of 5

POSTED: | BY: Nattering Springs

Embrace Keeps My Service Dog Working

When I signed up Bonnie, my Shetland Sheepdog, for Embrace Pet Insurance, I hoped I'd never need it. Sadly, Bonnie deine,veloped idiopathic canine epilepsy in July of 2024. She's my service dog, and there was no question of having her care managed by Bush Neurological in Leesburg, VA. As you might imagine, Bonnie's care has been expensive. But thanks to Embrace, she's covered for everything beyond a very reasonable annual deductible. My claims are acknowledged within minuted of submission, and payment is swift. Thanks to Embrace, we have no financial worries concerning Bonnie's care.
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5

out of 5

POSTED: | BY: Myron E Brooks

Pretty direct in Inputting information

Pretty direct in Inputting information
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5

out of 5

POSTED: | BY: Patricia Lynott

I am a huge fan of Embrace

I have had three pets insured with Embrace. Each time I have filed a claim the response is quick, easy to understand, and they always make me feel as though they care very much about my dogs.
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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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