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: Gordon Otis

I am extremely happy with Embrace.

My first claim with was handled without any hassle and I was reimbursed in a very timely manner. The claim was for an emergency procedure and Embrace was very prompt to process. Both my daughter and I have policies on our dogs. This is a must have if you own a pet. Embrace is a 10 in my book.
5

out of 5

POSTED: | BY: Ana Cristina

Experience with Embrace

I have had Embrace for over a year and I am very impressed by the profesionalism, customer service quality and fast response to the claims. I highly recomend any one who has pets to have Embrace insurance.
5

out of 5

POSTED: | BY: Diane Mitchell

Great Pet Insurance

We have found the services offerd by Embrace are axactly as stated. Tereffic customer service and excelent claim management. Our puppy needed unexpected hip surgery and Embrace saved the day. We are happy that we have the insurance and it gives us peace of mind.
5

out of 5

POSTED: | BY: Alexis Godfrey

Curteous and Helpful

This insurer had the best reviews and I'm happy I chose them. Claims are processed speedily and communication is good. The EOBs are easy to understand.
5

out of 5

POSTED: | BY: Abby

Excellent customer service

Embrace informed me immediately that they received my claim and followed up with my questions. I really appreciated the clarity of their explanation of benefits. They have been upfront about which conditions will not be covered and promptly reimbursed me for the submitted claims. I have been thoroughly impressed with Embrace and only wish my own health insurance worked this well!
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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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