Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,063

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
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  • 15
  • 14,063

Updated: April 16, 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.
5

out of 5

POSTED: | BY: THOMAS H. STEARNS

Great Experience

The whole process was quick, simple and efficient. If only human health insurance could work so well!
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2

out of 5

POSTED: | BY: The King Adrock

This company is expensive and not worth…

This company is expensive and not worth it in the long run, I will be leaving. After putting in a claim for $200 you gave me $50. This seems like a scam. I am not happy with Embrace.
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5

out of 5

POSTED: | BY: Consumer

We selected Embrace when our golden was 8 weeks old

We selected Embrace when our golden was just a puppy because they do not exclude illnesses and conditions known to affect certain breeds the way other insurance companies do. Uploading claims was easy and reimbursement timely.
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5

out of 5

POSTED: | BY: DEBORAH ANDIES

Emma was very helpful and knowledgeable…

Emma was very helpful and knowledgeable about the process and explained everything clearly.
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4

out of 5

POSTED: | BY: Nikhil Aditya Kumar Roy

Would Recommend

I had a 5k surgery done. Although initially there was resistance to cover it fully, but an appeal helped me get full coverage for my cat’s surgery. Their claim process is quick and thorough. I’m glad I purchased Embrace insurance.
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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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