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: Denise M.

Heartworm Positive - Thank God we have Embrace!

I wanted to write a review as this is our first experience with having pet insurance and I am so grateful that we did choose Embrace. We just recently found out that our dog is heartworm positive and the treatments will be very costly. We have already processed over $300 in reimbursements and received them within a month of the claim. The claim reps always check in and keep you updated with the claims process. I recommend you purchase Embrace pet insurance on the day you get your pet as there is a waiting period during which pre-existing conditions could be excluded so the quicker the better.
5

out of 5

POSTED: | BY: Emily Navarro

Great Support

Embrace has been wonderful throughout the whole relationship. They helped me through not only reimbursement, which was 80% of a very hefty bill, but also emailed to check how my pet was doing afterwards! They are great :-)
5

out of 5

POSTED: | BY: Christy Grech

A great company

We have not had any major problems with Elliie so far, but our wellness claims have been handled in a timely manner, and all of the embracers wew have dealy with have been helpful and couteous. Any reimbursements due have arrived promptly as well.
5

out of 5

POSTED: | BY: Alan Cohen

Very Nice!

I used another pet insurance company in the past. I am very impressed with Embrace. Claims are acknowledged and processed very quickly. I expected a claim for my new kitten not to be approved because of the time frame of when I purchased the insurance and the issue that was encountered; however this was not the case and the claim was paid quickly.I did contact customer service a couple of times and was greeted by a friendly and knowledgeable Representative who answered my questions without sending me around to talk to several other people. I am very satisfied with the professionalism that I have been handled with.
5

out of 5

POSTED: | BY: Ilene Alexander

Augie's Health Insurance better than ours

It seems like our 2 1/2 year old yellow lab has a standing emergency appointment at his vet these past 3 months. AS I've said before, Embrace insurance is better than our health insurance. I'm hoping this is the end of a bad streak for vet visits. I'm glad we purchased the wellness insurance. I hope we get to use it soon!

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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