Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,734

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,734

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: Sara Reynolds

Dependable

I've had Embrace Pet Insurance for about 5 years now and have had no problems. Every claim has been handled quickly and completely within their policy. I never felt as though they were trying to get out of paying a claim. I truely believe they are pet lovers and want the best for your pet.
5

out of 5

POSTED: | BY: Lin Wolen

pleasantly surprised!

The first email I received regarding my claim erroniously said that I was not entitled to any money from a claim I had made. Then I called embrace, left a message and I received a check in the mail in the next few days, thank you embrace!
5

out of 5

POSTED: | BY: Meg Wittenmyer

Just keep getting better

I don't write reviews every time I submit a claim because everyone would get sick of hearing me praise Embrace. With four Great Danes, three of which are rescues, we discovered early on that insurance was a must! Everyone one of our dogs has been the beneficiary of an Embrace claim, some more than others. You know you did the right thing when you're on first name basis with the claims adjusters. The latest is a continuation of the initial torn ACL claim made earlier in the year for my Dane with Wobblers. Because he isn't a good candidate for surgery, he wears a knee brace (which Embrace covered) and is pretty much on an NSAID for life. If you add one extra thing to your basic Embrace policy, let it be the drug addition!! The price of prescription drugs for dogs is as much as it is for people and without insurance there's no way we could keep Dagobaz comfortable. That drug plan has paid for the policy of all four dogs over and over again. And I just found out they have a tool where you can check the status of your claim on-line, which I think rocks!!
5

out of 5

POSTED: | BY: Kimberly

Great customer service and easy claims process

I did SO much research prior to choosing an insurance company for our dog. Friends of ours told us VPI was good, but I didn't like how claims are paid based on a scheduled amount. Embrace is fantastic! They really care about their customers, and, most importantly, the well being of the pets. The claims are paid based on the billed amount and the process to file couldn't be easier. We just filed our first claim and they kept us up to date on the progress of our claim via email. I would recommend Embrace to anyone.
5

out of 5

POSTED: | BY: Susan Alpern

They always do what they say they will do

I have coverage for my 2 dogs. They have had several "mishaps", and I can say that Embrace has always come through and paid exactly what the policy covers. I did a lot of online research before choosing Embrace, and I liked the ability to tailor the coverage. Additionally, the staff is uniformly helpful and always show concern. I have recommended Embrace to several people.

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