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: Randi Leeman

I would recommend Embrace

This is the second claim we have had to make this year for Fenway - who had 10 kidney stones!!! Embrace was great about communicating where we were in the process; they let me know about delays and that they didn't forget us. They also have direct deposit which made the process much easier as well. What I really liked was after our first claim - someone emailed me a week later to check on Fenway and see how he was feeling!
5

out of 5

POSTED: | BY: Gina

Excellent Pet Insurance

Embrace pet insurance is affordable and easy to utilize. Customer service is knowledgable and helpful. The claims process is quick and nonstressful. Embrace pet insurance is consumer friendly.
5

out of 5

POSTED: | BY: Nikki Kushner

My Pups have the BEST Insurance Carrier!!

The folks at Embrace are caring, quick, and wonderful!!! I haven't worked with one person there in the 2 years my pups have been covered, that I didn't like. Their policies cover so much, and leave little room for questions or concern. My pups and I trust Embrace like family -- and have shared that sentiment with many an uninsured pet owner out here in Chicago!!!
5

out of 5

POSTED: | BY: Farah N

so far, so good! quick response and friendly!

I just adopted my furbaby when he was 2 months old. I've had embrace insurance for him for three months now. Ryder has been in and out of the vet's office with a variety of puppy ailments and of course a few rounds of immunizations. Embrace has been great in assisting me with my claims. They make the process quick and painless. From my experience, as of thus far, they are the best!
5

out of 5

POSTED: | BY: Mary H.

Outstanding service!

I recently went through a very difficult time with my young Chocolate Lab, Bella, who has been diagnosed with IBD. She had to have x-rays, ultrasound and exploratory surgery. I was worried about what would happen if the insurance would cover these expenses. No need to worry! They quickly processed the claim and reimbursed me for the expenses! I am happy to recommend Embrace Pet Insurance to all pet owners. It is such a small price to pay for peace of mind!
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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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