Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,759

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,759

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: Barb Emmett

Does what they say they'll do

We signed on in the Fall of 2011. My husband and I couldn't be more pleased. We do have very comprehensive coverage, including Wellness. For the claims I've needed to submit for our two goldens, everything has gone smoothly and customer service has been terrific. I tell many people about our experiences so far and encourage them to look into Embrace. I also have talked it up with two of my vets. Great job, Embrace!
5

out of 5

POSTED: | BY: Bill David

Great Job Welness

Have never had Pet Indurance before & was always skeptical. With a new puppy I believed the wellness program alone would be a benefit. Very first submission of claims have been handled quickly professionally & obviously to my full satisfaction. Not only do I now endorse pe insurance, but also recommend without any hesitation Embrace as the premier provider to work with. Thanks
5

out of 5

POSTED: | BY: James Nunez

great experience

I was nt to sure about this pet issuance , but it works . the people were courtious and super helpful. I highly recomend this type of insurance on every pet :o)
5

out of 5

POSTED: | BY: Cheryl Huffman

wellness reembursement

Took a long time for the claim to be processed, however I was informed they were changing systems that is why there was a delay.
5

out of 5

POSTED: | BY: Anne Gagliardi

Very pleased with Embrace.

This is my first experience with pet insurance. My previous dog had high vet bills so I decided to give insurance a try with my Golden Retriever who is now 13 months old. He fractured his toe and the bills were over $1,000. I am very pleased with the processing of claims, communication from Embrace and the amount of money I have received.
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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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