Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,721

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,721

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: Beth

Embrace is a very worthwhile investment

Embrace just covered our latest doggie issue -- entropian eyelid surgery for our bulldog. They also covered our other bulldog's elongated soft palate surgery a couple years ago. Both issues are genetic for bulldogs, but Embrace covers them which is what makes them superior to so many other pet insurance companies. I so wish I had Embrace a few years ago for my only other little guy who passed away of pulmonic stenosis. I won't ever be without Embrace's coverage on my dogs again. I have to pay the $500 deductible and the monthly premiums, of course, but after that it's total peace of mind. I don't have to worry about making difficult decisions if they get sick or in an accident or who knows what, and that makes it worth it.
5

out of 5

POSTED: | BY: Amy Henry

Embrace is wonderful!

This is my first time having pet insurance and I am so grateful that I found Embrace. I have a young Golden Retriever who has had some digestion and skin issues (most recently he caught giardia) and it makes me feel safe knowing he has the best company covering his needs. They are quick, friendly, and extremely helpful. I recommend them to everyone I can!
5

out of 5

POSTED: | BY: Sally

Awesome Company

I have both the wellness insurance and accident insurance. The Wellness insurance is a no brainer. I pay $149.00 a year and they reimburse me $200.00. Sounds too good to be true, but it's not. I just had my Dog in for his yearly. It cost me $232.00 and embrace sent me a check for $200.00.
5

out of 5

POSTED: | BY: Chris P

Dental Reimbusrement

Basically the best pet insurance I know off. Coworkers have other insurance companies, and none come close to the ease and efficency of Embrace. Thanks again, and I am glad I did my research and found this company.
5

out of 5

POSTED: | BY: Lilly

My husbandhub said why waste your money

First trip to ER for rat posion which met our deductible of $200. Then the $1600 blockage surgery to get the junk out of her gut was amazing. After the preimum for 2 years and deductible I am $300 to the good Now my husband was glad I got a $1289 check in the mail today. Thanks Embrace?
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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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