Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,316

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 14,316

Updated: May 29, 2024

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.
4

out of 5

POSTED: | BY: Kristin D

Quick and easy to submit a claim and…

Quick and easy to submit a claim and get a refund! I wish it was more clear what things from the itemized receipt were and were not covered, so I’m deducting a star for lack of clarity there, but overall I am happy with my experience!
5

out of 5

POSTED: | BY: Robert Bowling

They are very efficient on helping you

They are very efficient on helping with your claims Representative of their high Standards and they seem to really care about your pet.
5

out of 5

POSTED: | BY: Lynn Sylmar

Super easy and convenient to submit a…

Super easy and convenient to submit a claim.
1

out of 5

POSTED: | BY: Lisa Flores

I got insurance because I thought it…

I got insurance because I thought it would help protect my adopted rescue dog. Instead, they are using some observations, not actual diagnosis to try and make a bunch of things preexisting. As my first claim experience, I regret choosing Embrace. My dog did not have any symptoms that warrant preexisting in the waiting period and this is unfair.

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 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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