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: Faith Poles

Peace of Mind

I am a use customer to Embrace. I had previously been a cusotmer of VPI which is another pet insurance. I have found Embrace to be a much better company for a few reasons: 1)better coverage at a lower price 2)response time from a representative has been awesome 3) reimbursement checks are prompt 4)follow-up from a representative is quick. Knowing my pet, Roxy, is covered by Embrace is peace of mind.
5

out of 5

POSTED: | BY: Leslie

Great everything!

I have received the maximum allowed reimbursement on every claim I have submitted. When there was a question or additional paperwork needed, the customer service reps were very professional and courteous and took the lead in doing whatever they could to help the process. Email communication is awesome. Reimbursements are speedy. I highly recommend Embrace to any pet owner!!!!
5

out of 5

POSTED: | BY: Shaun Abell

Life Saver!

Our 5 year old St. Bernard, Dozer has had a hard time. Hip replacement, implant removed, failed FHO, amputation - on and on. After our other St. Maggie died unexpectedly of liver failure I decided I had to get insurance for Dozer. After a great deal of research and personal recommendations I settled on Embrace - best decision I could have made! Shortly after his coverage started he began to limp and we were shocked to discover that he had a lesion on his front leg - bone cancer. Megan, et al have been incredible to work with throughout the process whether it was filing claims or pre-approval for his treatment at CSU. Their communication is top notch and they have always been there whenever / whatever we needed. Now as we embark to the chemo stage of his treatment it is a huge source of comfort both financially and emotionally to know that Embrace is in our corner! Thank you all!!!
5

out of 5

POSTED: | BY: Gilbert Vansoi

From someone in insurance: BEST service ever

As a loyal Embrace customer (and Allstate Insurance agent), I always mention the amazing service we received from our Claims Embracer, Sam Adkins, when our little baby Kobe had to undergo surgery to remove one of his kidneys last month. We had our money deposited (over $6,300) directly into our bank account less than a week after the claims were received by Sam (about 2 weeks after we submitted them). Although the claims were initially misplaced, we got our reimbursements within days once Sam got on it. What a lifesaver it is to know that we have Sam and everyone at Embrace looking out for our financial wellbeing, especially when facing the most stressful of times caused by our beloved pet's illness and surgery. We have since posted our experiences with Embrace on Facebook for all our friends to see (I have over 1400 of them) and always remember to mention how amazing Embrace is to our vet, Dr. Rowan, at the Rutherford Veterinary Hospital in Dallas, TX. She is quite impressed with the service as well and wishes that her own pet insurance company was as diligent as Embrace. From the bottom of our hearts (as well as Kobe's and his brother Bubba's), THANK YOU Embrace for your amazing service. Proud Embrace Customers for Life. Gilbert Vansoi and Darren Roesch Dallas, TX
5

out of 5

POSTED: | BY: Wendy Pierce

Thank you Embrace!

Despite all my efforts to avoid ticks my Chesapeake Lindsey has contracted Lyme disease twice. The second time the Lyme number was off the charts. Luckily Lindsey's kidney function was fine desite the severe Lyme disease. It's nice to know that Embrace is there for us when Lindsey is sick.

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 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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