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: Lee M.

Very pleased....

Although I have been an Embrace customer for several years for 3 of my dogs, the very reason that I chose to obtain insurance arose this past fall when one of my dogs was diagnosed with a possible heart murmur. The trip to the vet and the speciality animal hospital for additional tests were significantly more than the usual claims that we submit. Thankfully my little one is just fine and my claims were handled quickly and efficiently. The feedback that Embrace maintains with their customers through the claims paying process is fabulous. Kudos to Embrace for a job well done.
4

out of 5

POSTED: | BY: Patricia Lee

Having insurance is having peace of mind.

I debated for a while before buying insurance for my dog. I finally took the plunge when my friend's dog became sick. They are patient with my questions, quick to settle my claims and follow up to make sure everything is fine. This is my 2nd year with Embrace and I could not be happier.
5

out of 5

POSTED: | BY: sean

Easy to work with

Claims paid quickly.. They took initiative to follow up with my Vet directly to work through paperwork. thanks!
5

out of 5

POSTED: | BY: Deborah Ide

Quick Reply

I'm very happy with how Embrace handled my dog's claim. It was relatively quickly. I'm so glad I chose Embrace as my dog's insurance company. They kept notifying me as to the status and if they needed extra information.I'm so glad I had the insurance for my dog.
5

out of 5

POSTED: | BY: J. Metzger

The best

I have had so many things go wrong with my dog in the last 6 months....I had to pick a claim amount but I am not reviewing any specific claim, so I just chose a random amount. Before this year I thought Embrace was a waste of money. But I have so far had over $1500 refunded to me which is a BIG DEAL and who knows what the future holds, my dog is only 7. They are SO easy to deal with, just fax a simple form in, and get a check within weeks. I have yet to have them refuse anything even though I feel like I am faxing over forms every week (lets hope that stops). I only wish they had human health insurance!!! Consider it, Embrace! This is my third review and likely my last because I am just repeating what I have said before.....don't even consider another company!!!

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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