Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,759

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,759

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: Bobbie

Embrace is the best pet insurance out there

My pup only has the illness/emergency coverage, but we could not be more pleased with the service we've received. Winston is 2 and a half and has been pretty healthy. Every time he has an illness or emergency we take him to the vet and make the claim. That way Embrace keeps tract of our deductible for us. When/if the vet is slow in getting in the needed paperwork, Embrack lets us know. Embrace treats us like people who love our pets. They follow up to make sure all is well and explain the reimbursement clearly. They even follow up to make sure the check was received. I recommend Embrace to all the folks we know at the dog park.
2

out of 5

POSTED: | BY: Nancy Hori

Was not as positive a I had expected

Atthis point I have no comment on Embrace Pet Insurance. Its too soon to tell and it seems like it took so much red tape to get to this point of you finally sending me a check and I felt that you weren't tusting my word?? The one person that I felt was really helpful and I like talking with her alot was Megan at ext. #125 I believe it was. Everyone else (and there were many) that contacted me seemed so skeptical, which I really didn't care for and was almost ready to cancel. I marked "no" below regarding if I would recommend this company only because it is too soon for me to tell and my first experience with that recent claim was not positive at all and I felt you weren't trying to help me out at all.
5

out of 5

POSTED: | BY: Hilary

Great Service

Our puppy has been dealing with a bad case of Dermetitis, which has required numerous vet visits. I faxed the forms into Embrace and they immediately responded that they had received them. Within a few weeks I did receive a check, for a part of the claim. The customer service has been exceptional.
1

out of 5

POSTED: | BY: Sherrie Boyd

not that impressed

My dog ran into the street and was hit by a car, I think.I never saw it happen. All I know for sure is that he was hurt and scared and trying to reach me. A visit to my vet included exam and xrays, meds and advise. $292. After insisting upon a review of Franke's entire medical histort and tine and frustration, the claim to be paid was $50 or so. I am not pleased.
5

out of 5

POSTED: | BY: Laura Billings

awesome

I have had a great experience with Embrace.
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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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