Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,784

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,784

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.
5

out of 5

POSTED: | BY: Kate

Love this company!

Embrace has really come through for us. We don't have a lot of money so it has been nice to know that we would never have to make a financial decision about our dogs' healthcare. One of my dogs had a $2400 surgery after swallowing plastic. We received about $1800 back. It would have been a significant hardship if not for our coverage.
5

out of 5

POSTED: | BY: Caitlin F

easy to file wellness rewards claims

Embrace could not have made it easier to file wellness rewards claims. I was updated every step of the way... even to just tell me that they were still working on it and they did not forget about me. I could not be happier with Embrace!!!!!
5

out of 5

POSTED: | BY: Amy

So far so good

This is my first experience with pet insurance, and I was pleasantly surprised to find out today how quickly and easily my first claim was processed.
5

out of 5

POSTED: | BY: Francine Butler

Real Insurance Coverage

Having a Boxer means you always have Vet bills. We have had several Pet insurance policies and have been disappointed with all of them. When getting our 3rd Boxer I decided to change companies and my Vet recommended Embrace. After talking with them initially I decided everything sounded good. naturally I was suspect upon submitting my first claim but I was happily suprised by how much we were reimbursed. We are on our 3rd claim in 8 mos and each one has definatly met my expectations and they certainly stand for what they claim. We are thrilled with Embrace!!!!
5

out of 5

POSTED: | BY: Janine

Worth every penny, because you get it back!

I bought the wellness rider for my 2 dogs. Office visit/shots and preventative medicines covered. Most comments are regarding accidents and illness. The wellness policy really encourages preventative care that may keep future costs for illness down. Everyone should take advantage of wellness plans, it is so worth it.
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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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