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: Cinda Zenor

Fantastic turn around

Besides the great coverage, what makes the process so easy is how quickly Embrace gets back to me. When I have the vet fax in my claim, I hear from the claims department within the week and am reimbursed the following week. We had a very expensive ear infection and I was very pleased with my coverage.
5

out of 5

POSTED: | BY: jane eilers

A company that keeps you posted and pays promptly.

Great customer service. Prompt review of claims and speedy payment. I Took out pet health insurance upon the recommendation of my vet. This decision has saved me hundreds of dollars on vet care for my very active and mouthy young pup. Embrace has lived up to their claims. This insurance policy was well worth the investment. Thanks.
5

out of 5

POSTED: | BY: Karen MacDonald

Embrace Works for Us

I signed my newly adopted rescue with Embrace and took her to the vet for her annual checkup. Embrace was exceptionally helpful in keeping me informed on what benefits I have and how to get the most from my plans. I renewed without hesitation. After the first year, my dog Allie's gagging after drinking water became more often and severe so after numerous vet visits and tests, we took her to the specialist at the Veterinary Referral Hospital.
5

out of 5

POSTED: | BY: Michelle E

Wish my insurance customer service was this good

Been with Embrace for several years and have always had great service, this company will work with you as best it can to cover as much as it can. I highly recommend Embrace.
4

out of 5

POSTED: | BY: Ken

Very professional

The Embrace you staff were very prompt and regular with communication about my claim status. So, even though turn around time was a bit slow, there was never a time when I was out of touch.I would recommend anyone deal with these folks.
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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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