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: Patricia Leonard

Great Pet Insurance Company!

I want to thank Embrace for the very quick response to my first claim on my cat, Sweetie. They corresponded with me by email and asked for her health records since I had just enrolled her. I had my Vet fax them and received an acknowlegement by email. I was amazed at how responsive Embrace was. I had another pet insurance, VPI, when I had my dog but they were no where near as responsive as Embrace. It is a wonderful feeling knowing that Embrace cares about their customers and respond so timely. In this age of lack of consideration of customers time, it is great to find a company that provides outstanding customer service! Thanks.
5

out of 5

POSTED: | BY: thomas fisher

the best investment for jaxson and us

I've been very pleased with embrace. Our puppy, jaxson was very sick for three months trying to find out what caused his Illness. Embrace was always there. When I sent a claim in, they would get a response right away and they actual cared about Jaxson and alwasy asked how he was doing. I would highly recomend Embrace Pet Ins. Thank You Tom & Lisa
5

out of 5

POSTED: | BY: Halo's Mom

Saved me $6,000 with the greatest of ease!

I have had Embrace insurance for two years (pay about $350 a year for policy with a $300 deductible and covers 80% of pretty much any service). Last year, it saved me around $600 for random recurring Giardia infection... but this year, WOW! My dog got bloat with torsion (ruptured spleen, internal bleeding, etc) and required emergency surgery costing over $8,000. I'm so sad to say that I don't think I could have saved her life without this coverage. Thankfully, she got everything she needed and it cost me less than 2K (affordable). The process for filing my claims was EASY! Single form, attach invoices and send. Embrace kept me informed on their progress throughout (even sending email updates midstream) and when I was getting stressed about my pending credit card payment, they rushed my claim through! Everyone there is SO SO SO nice and responsive. No arguments, no drama, no delay. Love it! I really can't say enough about how the coverage and service level has impressed me.
5

out of 5

POSTED: | BY: T Thomas,

Great service and Followup! Very happy!

I really love this company. They obviously care about their customers: animal and human. When I recently submitted claims they followed up to let me know they were being reviewed and that it may take a few weeks due to recent volume. After the claim check was sent, they followed up to make sure I got it. I did not, but they contacted me (rather than me having to hound them) which was impressive. They quickly issued a new check which I received within a few days. The check was exactly the amount I expected.I know the names of the employees at Embrace and they know mine.
2

out of 5

POSTED: | BY: VK

Embrace insurance

I see all these good reviews and wonder why I have not received the same kind of customer service others have???? This is my first year of purchasing Embrace for a great dane puppy who is in excellent condition, according to the vet. It took so much hassle for me to get the 6 month orthopedic waiver removed as I had to keep asking. Then I had to email 3 times to get word on a claim that should have been handled ONE MONTH AGO. And never an apology either.

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.

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