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: Y B

Impressed with Embrace

I was unfamiliar with pet insurance before my puppy arrived so i started to do a little research. People told me good things about embrace but i was a bit skeptical having heard that some companies did not pay for typical pet visits such as shots and grooming, not the case with Embrace. They have reimbursed me for every visit so far and i am extremely impressed with Embraced, would not hesitate to recommend them to anyone who needs pet insurance.
5

out of 5

POSTED: | BY: Diane Cerf

CCl Tear

I must say that Embrace is the best. They took longer than normal to pay which made me a little nervous but that was due to a new system they installed but payment was still received in time for my credit card bill. They paid exactly what I was excepting.
5

out of 5

POSTED: | BY: Jennifer Lano

Great service

Embrace has been great to work with thus far with our 1 year old golden. Reasonable denials, great communication and good follow through with appeals and clarification. Thanks embrace!
5

out of 5

POSTED: | BY: GS

The BEST customer service

I can't tell you how pleasantly surprised I've been with the wonderful customer service. The people are all very nice and are willing to work with you. I highly recommend them.
2

out of 5

POSTED: | BY: Ben Baldwin

Too Slow - Too Labor Intensive

Premiums have increased dramatically for my dog even with almost no claims. Service and claims were more prompt three years ago. Then the process is so manual it is obviously a contributor to the cost of the coverage. Should be able to fax email in claim and have payment processed more quickly and deposited automatically to a bank account.
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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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