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: Tom Minor

Great customer service and affordable coverage

I've been an Embrace customer for the last several years and have been very pleased with their insurance options and customer service. Claims have always been paid promptly. For about $30 a month, I get excellent coverage. I highly recommend this company to anyone who is considering pet insurance for their companion animal(s).
3

out of 5

POSTED: | BY: Tuckers Mom

Hmmm - Changes???

I had been very satisified with Embrace until I received this last group of claims. The process was very slow. First I thought it was attributed to a software conversion. Which is reasonable to take some delay. Now today after requesting the status on outdated claims, which is unlike Embrace, I find out I have a new processor. My pup who has hip hysplasia -- I am told only 1/2 of the treatment will be paid for -- ONE leg -- pretty ridiculous -- why, the other is rehabilitated -- hugh? I am at a pause since this is so unlike Embrace. My pup goes for hydro therapy covered by the policy -- yet -- they will cover 1 leg -- I can't help 2 legs are in the hydro treadmill. Then when I asked to speak to a supervisor I was put on hold for a long period of time and no one came back to the phone.
5

out of 5

POSTED: | BY: Tucker's Mom

Simply The BEST

Thankfully we have Embrace Pet Insurance and our pup has hip dysplasia. He has had surgery and extensive rehab. Embrace has been beyond MARVELOUS with covering the care our little guy needs. They pay claims very prompt and the customer service is fabulous. Every person I have encountered at Embrace is geniune and caring. Embrace is Simple the VERY BEST!
5

out of 5

POSTED: | BY: Heather Opfergelt

Embrace is amazing!!

I had a male boxer and he was having some health problems, as boxers do. I looked for insurance for him and at the time only VPI was available. It was the WORST experience of my life! How they broke down their payout was impossible to figure out and when I really needed them when he developed a heart problem they would not coverany of it. They decided to change their policy despite the fact that I began my policy before their breed specific exclusions. Sadly, my boxer baby passed away, but we decided to get another one. This time the number of pet insurance companies was huge and I really researched the best company for our new addition. Embrace has been wonderful and beyond helpful. You cannot find better customer service!!! Thankfully our new boxer hasn't ha any health problems yet, but if he does it is great peace of mind having embraces coverage!
5

out of 5

POSTED: | BY: George Hughes

Great customer service

I have filed multiple claims with Embrace for my mischievous little dog and overall, it's been a great experience. The claims process is simple and Embrace staff is very responsive. They always send prompt emailed receipt confirmations, status updates, and even simple assurances that a claim is still in process if it's taking slightly longer than usual. Which has only happened once - and even then, everything was settled within one month. To be fair, it's the only pet insurance company I've used, but I haven't considered switching. I would recommend Embrace to anybody interested in pet insurance.

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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