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: Gary Farnham

Good service

We are glad we have Embrace Pet insurance. We got a new puppy and since we live in Alaska and we love being in the out doors we decided to get pet insurance. We were glad because our black lab got a intestinal blockage. Embrace has good coverage and well worth the money. They paid what they said they would pay and we are thankful we have this insurance.
5

out of 5

POSTED: | BY: Diane Leight

Very Happy

I think your company is the best. I have been very happy with the service I have recieved with the exception of how long it takes to review the claim and send the check to me. Almost a month. And I have requested that you send me some of your new claim forms twice as for some reason I cannot download and print them from my computer and to date I still have not recieved them. Still think your the best company though!!!
5

out of 5

POSTED: | BY: katie maselli

Dependable as always

I haven't filed a claim in a while but as usual, I can depend on the staff at Embrace to get my claim processed in a timely manner. Thank you all for all your hard work and dedication!
5

out of 5

POSTED: | BY: G. Lee

Very quick efficient service

We have a brand new puppy and I wanted to take out insurance right away to be on the safe side. The first year is usually one of the most expensive years to get through with just regular veterinary check ups and shots so I liked the fact that Embrace has a wellness program. I submitted my claims and good to their word I was reimbursed very quickly without any hassle whatsoever. We are still new to Embrace and to this type of insurance, but so far we are quite happy.
5

out of 5

POSTED: | BY: Avery Gillins

Excellent Service

My dog has only been to the vet for routine exams and to purchase flea medications. The reimbursement process is very quick and when you call you always get someone to help you on the phone. I am pleased with Embrace and I continue to refer all my friends with pets.
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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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