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: Grace Ng

Fast & Efficient

I submitted a claim for the vaccinations reimbursement and dental care and received the check within weeks. The customer service is impeccable and they always follow up. Excellent!
4

out of 5

POSTED: | BY: Danielle Lau

Fantastic

Staff is always on top of letting you know what is going on even if its just a quick email to let you know that they are a bit backlogged with reviewing cases. Staff is quick to email back with answers to any questions you have.
5

out of 5

POSTED: | BY: Pam

They care about our pets...

Abby, my dog, was found to have inflammatory bowel disease. It took many tests and vet visits and Embrace helped Abby and I get through all of this so Abby is a happy and vibrate dog now! Without an excellent primary care vet and a internal medicine specialist's care, Abby's disease wouldn't be found but that takes resources and Embrace was there to help us do that. I have been very happy with their caring messages and financial reimbursement for her care. Couldn't have done it without them! Abby says thank you too!
5

out of 5

POSTED: | BY: PATRICIA FLEMMING

I AM VERY PLEASED WITH EMBRACE

I HAVE 3 RESCUE DOGS AND THIS IS MY FIRST TIME INSURING ANYDOGS, EMBRACE WAS VERY EASY TO WORK WITH AND VERY HELPFUL ALWAYS SPOKE TO A HUMAN WHEN I CALLED NOT A TAPE AND THEY WERE VERY PROMPT WITH MY CLAIMS. I HAVE ALREADY RECOMMENDED EMBRACE TO MY NEIGHBORS AND FRIENDS WITH DOGS.
5

out of 5

POSTED: | BY: James and

Embrace Is Great!

Embrace helped me handle the expenses of my pet who was sick from very early in his little life. He passed away at age four after a long and valiant fight with kidney disease. When he passed away, the kind people at Embrace sent me a personalized condolence card, signed by actual humans with kind words included. Thank you Embrace. You are the best and most efficient communicators out there. Always polite and professional. Always prompt. Always kind and sensitive. I mention your name whenever I talk to other dog lovers.
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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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