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: Davee

Awesome Insurance

We have been Embrace customers now for over two years. They are the best insurance agency we have ever had the pleasure of using! They are ultra accommodating, great customer service, and their follow up is about the best I have ever experienced. They are compassionate, caring and I highly recommend them to everyone. I have discussed with my Vets that the Animal Hospital should be recommending Embrace to all of their patients.
5

out of 5

POSTED: | BY: Kathy

No surprises

Embrace staff are prompt and efficient and courteous. I know what to expect with the coverage. I am pleased with Embrace.
5

out of 5

POSTED: | BY: Tom B.

Embrace is Fantastic

I've had a great experience all around with Embrace, from the ability to customize an insurance plan to the kindness and willingness to help of all the employees, you can't beat them.
5

out of 5

POSTED: | BY: Barry Kwartnik

Great Insurance

Everything about Embrace from the coverage, customer service, reimbursement time etc. has been nothing but topnotch. I'm very happy with my decision to go with Embrace.
5

out of 5

POSTED: | BY: Colleen Court

So happy I bought this insurance

When I first bought my dog I questioned every dog owner I met as to whether or not to buy insurance. I finally had one vet tech convince me that it would be the smartest investment I could make. Well if it was that smartest investment, than the second smartest was choosing Embrace. I did a great deal of research of the different kinds of insurance and compared payoff percentages and ease of claim reimbursements and came to the conclusion that Embrace was the best choice. I have not regretted that decision ever. Embrace's customer service is top notch. They notified me quickly that they received my claim and shortly thereafter notified that my check was on its way. And the amount of the reimbursement was higher than I expected. Knowing that Embrace is helping me tend to my dogs health gives me a great piece of mind that I cannot put a price on. I have recommended Embrace to every person at my dog park and will continue to do so.

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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