Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,342

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: Elizabeth

Coverage that gave us peace of mind and actually covered us!

We had Embrace from the day we picked up our international rescue pup from the airport. Not knowing what she would need medically, we knew we would need to have access to good coverage. Embrace delivered for us and then some. Whether it was medical, behavioral, or dental, we new that we would not be flying without a net thanks to our policy with Embrace.
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5

out of 5

POSTED: | BY: Tara Lawton

You never know when you will need it

I got Embrace "in case." Unfortunately, we needed it when my dog got sick unexpectedly and they paid for everything. When he died, they were so kind and sent a condolence card. I highly recommend Embrace. I also had the wellness insurance which I would suggest.
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5

out of 5

POSTED: | BY: Rich

Quick and easy to file a claim.

Quick and easy to file a claim.
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5

out of 5

POSTED: | BY: Athzel C Bruening

We had Embrace Pet Insurance since our…

We had Embrace Pet Insurance since our boy was 3 months old. We never needed to use it but it's better having it and not use it than not having it and struggle to pay vet bills, right? He was diagnosed with Epilepsy on late 2022 and ever since, Embrace has been nothing but amazing. They pay quick and you get to select the option to get paid via check or direct deposit. They are also very responsive, Embrace app its so easy to use. We are so happy we had made the right choice about Embrace pet insurance.
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4

out of 5

POSTED: | BY: Lindsay Nicholls

Very easy to submit a claim online.

Very easy to submit a claim online.
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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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