Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,759

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,759

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: Angela Demko

The Best Pet Insurance!

I love Embrace pet insurance because after reviewing and comparing it is by far the best one out there. I love the wellness program because I have a puppy and they cover up to $400 for shots and spaying.
5

out of 5

POSTED: | BY: Bonnie Barnes

I recommend Embrace pet insurance

I have never had health insurance for my dog before. I compared every insurance company out there and their policy options as well as prices for pet insurance policies. I chose to go with Embrace because I they had the most reasonable prices and I liked that they offered various options with the wellness program. I recently submitted a claim and I am very satisfied with the prompt and courteous customer service. I have had animals get sick before and I did not have health insurance for them and medical bills were astronomical. Knowing that I could not afford medical bills if my dog got sick or injured I knew I needed to get health insurance for him. The low monthly premium is well worth the money and the peace of mind that I have insurance in case my dog is sick or injured. I will and have recommended Embrace to other people as well as my veterinarian and his clients.
5

out of 5

POSTED: | BY: Michelle Seaman

Fast, easy and smooth

This is a wellness exam. Bascially all charges were handles, as I was told they would be. The process is easy, fast and smooth. Thank you!
5

out of 5

POSTED: | BY: Barbara

Best pet insurance!

This is the second review that I am writing for Embrace. It has been a very stressful 2 months for both my cat Cookie and myself due to his CHF. I am happy to say that the one thing that I didn't have to worry about was reimbursement from Embrace. I have repeatedly heard at the Vet's office that most insurance companies really give their clients a hard time; I proceeded to tell them about Embrace and the wonderful service that they offer. I highly recommend Embrace to all pet owners.
5

out of 5

POSTED: | BY: Yumi luke

Fast response , great service!!

I just want to thank you for all your help and service.About 70% of our bill was covered and my dog Rascal was all taken care of 100%! Im so glad that I decided to have this insurance for my dog.
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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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