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: Jason

Big Help

We have an injury proned Rottweiler named Sasha. She has had cruciate ligament surgury on both hind legs, and surgery for a herniated disc the was pinching here spinal cord among other less serious things, and she's only 4 years old. Embrace has greatly helped us to be able to afford to get our pup healthy.
5

out of 5

POSTED: | BY: Bob

Fast Service/Personal Attention

This is our first time to have pet insurance -we lost our family dog of 10 years last year to cancer and our vet bill became very high as we spent months trying to save him. We have another dog now and we wanted to make sure he has good vet care his entire life and that we could afford the unforseen care that he may need in the future. We have been very happy with Embrase and their quick response to everything.
5

out of 5

POSTED: | BY: Gina Spadafori

My dog is alive because of Embrace

I've carried pet health insurance for years but never really needed it until my retriever was diagnosed with cancer. Prognosis very poor, and chemo was the only hope to keep her alive. That was four months ago. Her cancer is in regression, and she remains asymptomatic. You wouldn't even know she had cancer! Embrace has been supportive of our fight with every claim, with fast, full reimbursements. They are as responsible for my dog's medical miracle as her oncologists are. I know they will stand by us going forward. She'll have chemo every three weeks for the rest of her life. Without Enbrace, that life would be much shorter. Instead, I have my happy, active dog, LIVING (not dying) with cancer.
5

out of 5

POSTED: | BY: Ann Kirka

such a relief- they handle everything!

My dog's sudden illness was hard enough to handle without having to worry about complicated claim forms and customer service. Embrace took care of everything- even when my vet's office neglected to provide the documentation and complete the forms, I didn't have to spend my time making phone calls. Embrace sent me prompt emails letting me know what point in the process they were at, the info they were waiting for from the vet, when the claim was being processed, and when to expect the reimbursement check. I can't stress enough how happy I am with their service and thoroughness.
5

out of 5

POSTED: | BY: Scott E

Best Decision We Made This Year

Embrace was recommended to me by my parents who has been using them for the past few years. I set up coverage for my 3 dogs about 4 months ago. One of my pit mixes stopped eating and was initially showing signs of abdominal pain along with intermittent vomiting. Over the course of 3 weeks we were back to the vet for various tests and treatments (including blood work, x-rays, and an ultrasound) until finally being referred to a surgeon for a possible foreign body obstruction. That ended up being the issue with the resulting surgery went extremely well. The claim submission process was so simple. Embrace covered all claims for all services and paid them out within the allotted time to do so. They even followed up to make sure we received payment timely. I am so happy to have gone with Embrace and strongly recommend getting coverage for your pets through them. Dealing with an accident/illness with your pet is stressful by itself, not having insurance to help offset the costs just adds to it. Knowing we were covered really helped us focus on our pet as opposed to the budget aspects.

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 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.

Get a quote today

Leave a review