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: Robin

Great, timely customer service

Embrace account representatives were very prompt in responding to questions I had regarding my claim. They walked me through my first submission, which was a combination wellness and "sick" visit. The response time of follow up emails was incredibly quick. Directions given and answers provided were very clear. I got an email saying they were sorry about the slow processing time of my refund, and the next day it was in my mailbox!If only the healthcare system for humans could be so efficient, we would all be in much better hands!
4

out of 5

POSTED: | BY: Ellen

Wonderful

The Wellness Plan just paid for my entire last visit to the vet.
5

out of 5

POSTED: | BY: Alida Baird

New to Pet Insurance

After spending thousands on our last dog and cat I decided to invest in pet insurance with our new dog. I read many reviews and selected Embrace based on what I'd read. The staff has been pleasant, and the company has been great to work with although it was a rocky start with missing forms and a missing check. The company has paid well for an echocardiogram and x-rays as well as the more mundane visits. Staff is very diligent about keeping me updated with the claim status. I wish the turnaround time on claims was a bit speedier, though. I would and have recommended Embrace.
5

out of 5

POSTED: | BY: Linda Carlson

Wish you'd insure people too!

I've never had pet insurance before so I didn't know what to expect. Embrace is wonderful. From helpful reminders to updates on claims, I couldn't be more pleased. Filing claims is quick and easy. It's nice to know my wonderful Springer is under the watchful eye of Embrace. Claim processing this time was a bit long...but it appears that many folks are discovering the benefits of insuring with Embrace. I'm glad to know that I've insured with one of the best.
4

out of 5

POSTED: | BY: Susan Craig

My biggest claim so far

I've had this insurance for almost 3 years and have sent in minor claim-never meeting my deductible. Recently, I had a more sizable claim and it took a long time to process. I was getting nervous. However, they did keep in communication with me. They apologized about the delays and assured me they would get to my claim, which they did. I am a satisfied customer.
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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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