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: Mary Beth

Kept usinformed and quick determination

This was the first time we submitted an illness claim. We were away from home and our dog had dermatitis (hot spots). We were able to go to a vet of our choice. Since this was our first claim we needed to submit a health history from previous vet visits. We requested records be sent to Embrace from our vet and the Embrace representatives kept us up to date on the status of those records. Once they were all received, the determination was made the next day. We are very pleased with the professionalism, communication and resolution of our claim.
5

out of 5

POSTED: | BY: Eric N

Fantastic!

I have tried many pet insurance companies through the years, and Embrace ranks at the top! Some of the prior companies I've tried would only reimburse "customary" charges - but couldn't even provide a schedule. It was a shot in the dark how much I would actually be reimbrused. I didn't need that additional concern when I was already worried about my sick pup. I am so happy I found Embrace. It is clear what will be reimbursed with Embrace. On top of that, Embrace is very prompt in claims reviews as compared to some others. Embrace provides peace of mind, exactly what a top-notch insurance company should. Bravo!
5

out of 5

POSTED: | BY: Dee

Still Amazing

Embrace is our insurer for our 4 pups. Embrace is amazing in every way. They have the BEST customer service and super speedy claim processing. I will ALWAYS recommend Embrace because they are a true PROVIDER of insurance coverage for your pets. No Gimmicks with Embrace -- THANK YOU EMBRACE -- YOU ARE THE VERY BEST!
5

out of 5

POSTED: | BY: M Lynch

Reimbursed exactly as policy states

I was pleased with my recent experience with reimbursement. The process was timely and smooth, with helpful feedback and follow up via phone and email along the way.
5

out of 5

POSTED: | BY: Tomey Sellars

I'm a happy Customer

So far I have been with embrace for a couple of years and the customer service has been prompt as well as courteous. Both of my claims have been covered and without hassle. This is the only time I've ever had pet insurance and it's been a favorable experience. Thank you! I wish health insurance for humans was this easy. :-)

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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