Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,721

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,721

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: Lynn Dunster

Great people to deal with

A friend of mine recommended Embrace to me, and after researching several other companies I decided that this were the company for me.When my dog was injured, I submitted the bill, and in no time at all a check was sent. They followed up to see that I recieved it, only to discover that it was missing, due to post office error. Another was issued with no delay, no hassle. Everyone I have dealt with at this company has been warm, helpful and friendly.
4

out of 5

POSTED: | BY: Meghan. Duey

So happy to have embrace!

My claim was processed quickly and they covered quite a bit of my dog's surgery!
5

out of 5

POSTED: | BY: Kimberly A

couldnt be happier

Embrace has been the best pet insurance company i have ever had. they processed my pre authorization for my digs surgery and reimbursed me within 2 days of receiving the fax. they were caring and asked how mt dog dakota was doing after the surgery. im only sorry i never took the prescription plan :-(
5

out of 5

POSTED: | BY: Collin

Terrific customer service

Excellent experience once again with Embrace. So glad I decided to go with them!
5

out of 5

POSTED: | BY: Sandra

Good Insurance

Caleb had ab ACL Injury and Embrace has paid all the claims. They would have covered the surgery, but we decided to go with Therapy instead. It has been over a year now and he is still going to therapy about once a month, and embrace is still taking care of the therapy claims. Thank you Embrace, I could not have done this without the insurance.
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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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