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: JoAnn

glad to have insurance

I had pet insurance YEARS ago when there was only one or tow companies out there. I NEVER received a cent with them. Another dog owner recommended Embrace and so far they have been great. They always contact me to let me know the status of my claim. I really like that!
5

out of 5

POSTED: | BY: B. Schuller

Wonderful staff

After getting two dogs I made a spreadsheet of pet health insurance companies. After comparing coverage, and talking to various companies, I felt very comfortable going with Embrace. And my gut was correct...we had a rather large claim due to ingestion of a foreign object requiring surgery. The claim was handled very quickly and fairly. I recommend all of my new pet owner friends to get pet health insurance from Embrace; I'm so glad I went with them.
5

out of 5

POSTED: | BY: Barbara Samarati

Very responsive

We filed our first claims for our 3 year old Chocolate Lab January 2012. The claims department responded quickly and accurately.
5

out of 5

POSTED: | BY: Mike Urban

Excellent Customer Service

I expect good customer service from a company and I have found that with Embrace,in fact I would rate it excellent. They are always available to answer questions about my insurance and they have processed my claims in a reasonable time frame.Can we transfer this customer service to my health insurance plan..!!
5

out of 5

POSTED: | BY: Diane

Great Plans, customer service, etc.

I had shopped for many insurances before signing up with Embrace with my new puppy. I liked the fact that they have a wellness plan which I had signed up for. The reimbursement process is so easy. I recommend this plan to every pet owner out there----customer service is great, discounts for spay/neuter and microchipping is a big plus, you can choose your deductible, and the different plans that you want to participate is each plan year! I recommend it to every pet owner.
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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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