Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,784

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,784

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: Kathy

Great choice of dog insurance companies

Two years now with EMBRACE and I have always been satisfied. AS usual, I wish I never have to make another claim--but it sure is reassuring to know that there is a safety net.
4

out of 5

POSTED: | BY: Neal Blacker

TPLO Very Good

Your response to our pre-determination quick and just I antiipated the coverage would be. The final determination was also exactly to the same degree and for the same amounbt as the pre-determination approval. You took a very long time however -- almost 5 weeks -- to process the claim but did a good job of staying in touch with me often about the delay and apologizing for it. If not for the delay I would have given you a 10 numerical ranking.
5

out of 5

POSTED: | BY: katie maselli

Thank you!

As always, Embrace is awesome!
5

out of 5

POSTED: | BY: Diane Wolak

Satisfied Yet Again

Another year and two golden Wellness Visits and Embrace sent my two checks in a timely manner. Keep up the great work Embrace.
4

out of 5

POSTED: | BY: Mila Thomas

Good experience so far!

Have a young German Shepherd puppy. My experience with Embrace has been very positive so far in filing claims and receiving periodic emails on claims status. I've already used the Flexible Spending account to cover my dog's spaying and heartworm/flea preventative medications. Quick service in receiving reimbursements.
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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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