Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,682

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,682

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.
4

out of 5

POSTED: | BY: Cindy

Good Coverage

They have great cvoerage and I have been insured for several years. Only down side is claims processing seems to have slowed down recently. i used to get an email almost immediately when I faxed in a claim and check mailed within 10 days. Now it is 10 business days before you hear anything and about another week to get the check. Still ot bad you get reimbursed in under 30 days, (better than my health insurance).
5

out of 5

POSTED: | BY: Amy S

Better than any other pet insurance company.

I researched different insurance companies and found upon numerous reviews that Embrace was the best. I opened up a policy with them for my 4-legged baby, .Muzby. A few months later I found out he tore the ACL in his right knee. This was my first experience with Embrace. It went very smoothly. It is now 10 weeks later...and Muzby just tore his ACL in his left knee. He just underwent surgery yesterday...and I already have my information from Embrace stating that he is covered and all I will have to pay after it is all said and done is the 10% of the total bill since we already met our yearly deductible from the first surgery. Thank you Embrace....Muzby has had a rough start to his life as he is still only 2 years old....without your coverage...I don't know what I would do....as I love him. Thank You! PS....I told everyone at work about your company...I hope I bring you many more customers!!!
5

out of 5

POSTED: | BY: Carol MacIntyre

I am a happy camper!

Our newly acquired labrador retriever jammed his leg and subsequently was diagnosed with severe arthritis in both front shoulders, elbows and carpals. The claim was handled very efficiently, more efficiently than my previous pet health policy.
5

out of 5

POSTED: | BY: Reid

Just what I was hoping for!

After having several pets with extensive health problems, I decided that the next time around I would try pet health insurance. Well, after much research we settled on Embrace. Almost right away my rescued kitten started having problems. Embrace was everything I was looking for in a great insurance company. They responded quickly, have great customer service and covered everything I thought my policy would cover. I'm very please with Embrace.
5

out of 5

POSTED: | BY: Kathleen Hustek

I'm Glad I Chose Embrace

When a new kitten entered our lives it was time to consider insurance. I reviewed several, and chose Embrace because it offered the most for the least, and in these days of recession, that's important! So far my claims for wellness have been acted on promptly and I have been amazed at how quickly reimbursement is deposited into my account. I would recommend Embrace to any friend.

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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