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: Leslie

Peace of mind

When we rescued our very hyper,happy,clown of a YORKIE we figured this would be the dog that would really need some insurance. Boy were we right. Within a couple months he broke the growth plate in a hind leg (now all better). He has had a corneal scratch, a foreign body lodged in his mouth and I'm sure there will be more to come due to his feisty personality. With EMBRACE we have "peace of mind" knowing that we will be able to afford the care to keep our beloved FINLEY with us for many years to come. He is only 2 years old now and has many more years of potential problems ahead. I pray we won't need Embrace for any catastrophe...but if the unthinbkable happens, we are prepared!
4

out of 5

POSTED: | BY: irene

helpful

don't know what to say because this my first time but it seems petty good
5

out of 5

POSTED: | BY: Mary keane

Great job

We are moving into our 3rd year with embrace. I tell pet owners all the time about this very responsive and professional company. Keep up the excellent customer service. We will be adding another cat to our policy in the next two months.
2

out of 5

POSTED: | BY: patrice

not worth the dollars cost

Claim process is more burdensome than other agencies, less is covered and cost is high. Payment is quick when (and IF) claim is approved and processed
5

out of 5

POSTED: | BY: Greg

A sincere review & thank you.

We selected Embrace insurance for our little golden retriever mix puppy, Emma. That was 5 years ago. During that entire time, we never had a reason to use the insurance we had purchased for her. Recently, Emma's life was abruptly cut short due to complications from canine lukemia. In an effort to save her we racked up over $2000 in emergency vet and testing bills. At the time, we were not thinking of the cost, just saving Emma if we could. Afterwards however, it began to sink in how much we had extended ourselves and all we could do is hope that the Embrace pet insurance would honor the coverage we had for her. They did, and made a very sad and stressful situation much less stressful. We dearly miss Emma. Thank you Embrace for being there for us as you promised you would be.
Please leave a review

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.
Provider website

Get a quote today

Leave a review