Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,749

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: Audrey Brinson

My reimbursements have been processed…

My reimbursements have been processed quickly. This is the first time we ever got pet insurance and I am really happy with my choice
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5

out of 5

POSTED: | BY: Elise Moodie

Very good experience

I submitted the claim, and within a week it was completed and approved. Very easy and painless.
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5

out of 5

POSTED: | BY: Genny Reid

Very Happy My Dog Is Insured With Embrace

My 8.5-year-old Boxer was diagnosed with Degenerative Myelopathy in May if 2024. She goes to rehab once a week and Hydrotherapy, Laser Therapy, and Acupuncture. It helps her so much that she is still walking almost normally. The average person would not know she has DM. Being insured with Embrace makes it so much easier and gives me peace of mind that I can give Joy the best. I submit my claim every week and the claim payment is in my back account within 3 days. I cannot imagine not having pet insurance and have Embrace in my opinion is the very best. I Love Embrace Pet Insurance
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5

out of 5

POSTED: | BY: Marianne Santangelo

Excellent experience and professional…

Excellent experience and professional caring customer service. They are willing to assist when life's unexpected events arrive. Thank you so much.
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3

out of 5

POSTED: | BY: Healing Arts Animal Care

As a vet myself

As a vet myself, I chose Embrace due to quick returns for my clients. This was 7 years ago. I am sad to say that every claim is now picked apart and it takes over a month to get reimbursement. Recently our two pups each had claims and have been held up due to "lack of history." If they would look at the pet's age, they would know they have everything from the start. Annoying. Appreciate dental coverage. Don't appreciate not paying for OTC products that are recommended by the vet. Sends the clients out of the vet clinic and straight to Chewy. Not a great way to support your vets.
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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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