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.
4

out of 5

POSTED: | BY: Jim

Pretty quick getting reimbursed

I'm pretty happy with the turn around time with claims. The only thing I'm on the fence about is the wellness program. It covers $200.00 annually and cost $180.00 and I need to wait to get my my money back. It's only saving me ten percent and I have to tie up my cash for a few weeks. I'm considering dropping that portion of the plan where as I don't think I get enough bang for my buck...
5

out of 5

POSTED: | BY: Tami Homer

So Glad we have Embrace!! Great service!!

Embrace has been wonderful to me & my lab, Ciatto, and has taken every opportunity to do their best and to work hard to finish claims and get a check out to us promptly. This is my first time with pet insurance....and Im soooo glad I picked Embrace...I would recommened them to anyone!! The time of claim would of taken less time...but it was my fault since they were waiting on me to get more info from my vet. They were very patient & took care of business wonderfully :) Very Pleased!! Thanks EMBRACE!! :) Ciatto Chai Homer & family
2

out of 5

POSTED: | BY: Beth Hanlon

Not happy but not giving up yet!

I followed the directions on the claim form but was constantly getting emails asking for more information. Zach is a rescue dog and I provided everything I had. After some time passed I called and explained everything. It turned out Embrace needed the vet notes for the orthopedic exam the was done last July. If they had mentioned that when I applied and was approved, I would have supplied it. It took numerous phone calls and emails to straighten this out. I was stunned at how fast they let me know I wasn't covered for something I submitted yet it has taken 4 months to let me know about the eye problem. If this had been a terrible illness, the stress of dealing with embrace would not have been worth it. My policy expires in July - I will be doing more research before renewing it. I am hoping this was a one off!
5

out of 5

POSTED: | BY: Effie

Efficient and Honest

This was my first experience with pet insurance, and I am so pleased that I had it. My dog had a large claim. Embrace did not question any expense and paid quickly.
5

out of 5

POSTED: | BY: Jess F

Embrace is grerat!

I've been with embrace for two years now, and I couldn't be more satisfied. The customer service is perfect, reimbursements are timely and accurate and the monthly autodraft makes making monthly payments easy.
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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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