Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,810

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,810

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: Tina Brown

Embrace Pet Insurance has been wonderful thus far!

While I've only made one wellness claim to date, it was processed in the time noted on Embrace's website and I'm very pleased with the customer service staff at Embrace. I hope I don't need to use them for anything other than wellness visits, but having an English Bulldog I knew I had to have insurance as the breed is prone to various maladies. I feel as though I'm in good hands here with Embrace covering my puppy through her life.
5

out of 5

POSTED: | BY: Lisa

Very helpful!

Embrace has given me peace of mind with my two new puppies. I hope to never be in a situation to take full advantage of the insurance, but I know they will be there if I need them. Great customer service as well! Keep up the good work.
5

out of 5

POSTED: | BY: Nader Abouelgubein

Perfect

It was exactly right, covering everything properly. This was my first claim and it was a big one, so I was worried, but Embrace came through like a champ.
4

out of 5

POSTED: | BY: Laurie

good but a bit slow

I have had an overall good experience with Embrace. They have been great about communicating with me about multiple claims for my 3 dogs, and everyone I have spoken with has been extremely nice and helpful. The only issue I have had is a longer than expected wait time for reimbursement, which I believe was due to the adoption of a new claim system. I would definitely recommend Embrace.
5

out of 5

POSTED: | BY: Dorothy Jane

Great response time on claims and follow-up.

My wellness claims have been taken care of promptly, so I am confident that my dog will have her check-ups,yearly vacines and all of her heart-worm and flea meds taken care of. My little Coton de Tulear, Chloe, is a part of our family, so I want her to stay healthy. Embrace gives me the opportunity to have a health care spending account for my dog. I love that feature of the insurance. It even covers her toe-nail clipping! Fortunately I have not had to use the insurance but a few times for illnesses. Her claims were promplty taken care of.
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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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