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: Donna Gelber

Quick Response

I recently filed two claims and was extremely surprised and impressed with the quickness of the response to those claims. I was informed when they received the claims. I was informed when the claims were under review. I was informed when the claims were processed and was advised of the amount of my reimbursement. Embrace even emailed me to make sure I received the claims payment. And, all of this was done within a matter of about 10 days. Very impressed!
5

out of 5

POSTED: | BY: Marjon Tondravi

never been denied on a claim

Embrace is a wonderful insurance company. Sadly I lost one dog to sudden illness which cost me around $6,000. That lead me to look into health insurance for my other dogs. A year later my pomeranian needed extensive testing for a coughing issue. Embrace covered ALL of her tests and sadly when she died a few months after. The claim was in the thousands each time. It was such a relief to be able to tell the vets to do anything they needed to. I knew I was covered and didn't have to worry about the cost. The claims are processed pretty quickly and the staff is very nice and responsive. I hope I don't have to use the insurance anytime soon again and have healthy dogs but at least I don't need to worry about the costs.
5

out of 5

POSTED: | BY: BERNICE COFFEE

excellent customer service

This is my first time getting pet insurance, even thou I have had 2 other dogs...My first experience with Embrace, was with Mike, who was just awesome, he explained everything to me and this took time. Here are the tips I found to be important to me: excellent, excellent customer service from the time that a rep anwers the phone until the call is complete. 2) i have the wellness plan,which many other pet insurances dont have. i love it. They have great reimbursement. Their coverage is better than whats out there for pet insurnce..Peace of Mind and pays claims quickly. Most,,most ..important to Me and my dog Minnie is that I chose the vet I want my dog to visit for all her care. there is no pet clinic etc. I didnt want that. I wanted the vet I had from the previous pets...and thats peace of mind and more important close to home...Pls think about this. Years ago pet insurance was not a option and animal lovers had to make a choice with insurance you dont, unless it very serious. I will continue to stay with Embrace!!!!!!!!!!!!
5

out of 5

POSTED: | BY: Judith

Embrace is Excellent!

Embrace is Excellent! My dog had treatment for $494.80 due to illness and they issued a check for $372.93. No questions just a check. I highly recommend Embrace for pet insurance.
5

out of 5

POSTED: | BY: Chris DeBolt

Good communication about processing of claim

Took awhile for the paperwork to be sent in by the vete. but the claim was finally settled. Embrace did keep in contact about claims progress..

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.

Get a quote today

Leave a review