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: Monica

Best insurance out there

I've been with Embrace for three years, and I've never had a claim denied. I had used other companies in the past, and they fought me on every claim. Embrace provides prompt service--I received pre-approval for my dog's cruciate surgery within three days, and I submitted the request on a Friday! Furthermore, Embrace covers "alternative" treatments, such as laser therapy, physical therapy, and veterinary acupuncture--without which my dog would be in great pain. Thank you, Embrace, for the great service!
5

out of 5

POSTED: | BY: Michelle Perrin

Absolutely the BEST!

I am the epitome of a satisfied customer! My dog, Larry, needed his teeth cleaned and two teeth extracted. The dental rewards program that Embrace offers is great! My reimbursement was sent right out! During my dogs cleaning, an oral mass was found. Though it took a bit longer to be settled, once my veterinarian was able to send Embrace the proper documentation, that portion of my claim was settled and the proper reimbursement sent out. The customer service at Embrace is second to none! I am thrilled with my choice to utilize this company for Larry's insurance needs!
5

out of 5

POSTED: | BY: Veronica

Very helpful staff

I really appreciate how much time and effort goes into answering any questions I may have about my pet, Sara's, coverage in a timely manner. She is so dear to us and we want nothing but the best for her.
5

out of 5

POSTED: | BY: Catherine Chancellor

Claims are taken care of immediately.

I recently took Jack for his yearly checkup and vaccinations. I faxed my claim to Embrace and had a check for the entire amount in 10 days. Thanks for the peace of mind I get from having Embrace to take care of Jack's medical needs.
5

out of 5

POSTED: | BY: Joellen

Preventives

I would like to say that I can't believe that I was reimbursed for pet preventives!!! I received my first claim check and was excited to see that I received a check for Heartworm Medicine and Frontline. After my last experience with my previous dog who passed away of Lymphoma; I promissed myself that my next dog would have pet insurance. I am very satisfied and happy that I chose Embrace for my dog's insurance and look forward to a long healthy relationship with Embrace. Thank you again for your excellent customer service and business. Sincerely Satisfied Customer. Joellen & Robert Huff and Cuervo
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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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