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.
4

out of 5

POSTED: | BY: S Burns

Easy and quick claim processing.

Our puppy had pancreatitis, which involved several trips to the vet including a Saturday visit to the emergency vet. Embrace processed and quickly sent us reimbursements to cover our credit card bills (after the deductible, of course).
5

out of 5

POSTED: | BY: Erin Finn

Thank God for Embrace!

Recently my pet became ill. He was vomiting/diarrhea, weight loss, thrifty coat. We had any and all testing done x-rays, ultrasound, Barium and blood testing. All came up fine. Still ill, so much so that we had to go ahead and do exploratory surgery. Well, weeks and thousands of dollars later and we finally figured out what was ailing our pup...a piece of one of his rubber toys!! It had created a partial obstruction in his intestines!Without Embrace pet insurance, we would have never been able to afford all this testing and surgery. I am a pet groomer and I recommend Embrace to anyone who will listen, especially owners with new puppies.
5

out of 5

POSTED: | BY: Dr. Cynthia

High integrity, highest quality of service .

If I could, I would use Embrace over any personal health care provider I have had. They show genuine concern for my pet and a desire to offer superb service in all areas they cover. I have been delighted with the high quality of involvement and follow through. Embrace does what it says it will do without questions
4

out of 5

POSTED: | BY: Tammie Burton

Embrace has an excellent Customer Service Group.

The folks in the Claims Customer Service group are thorough, timely and have great follow up.
5

out of 5

POSTED: | BY: Catherine

Very good service and fast reimbursement

I have been very pleased with my experience with Embrace. Customer service is great and claims are explained and paid quickly. Great company!
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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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