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: Ruth &

Wellness Exam and Vaccinations

We are totally happy with the fast and efficient service we have received. Submit claims by email; receive email the next day confirming receipt of the claim. Every time our claims (mostly wellness) have been processed and the check arrives quickly. Had other coverage before switching to Embrace and they were never this fast. Very nice people to deal with!
5

out of 5

POSTED: | BY: Ilene M

As Always, The Best

Thank goodness our vet visits slowed down a little this year. Our lab, Augie, was diagnosed with discoid lupus (an autoimmune disease that affects his nose only) and has seen the dermatologist more often than I have. The condition is under control now and our vet visits less frequent. Embrace insurance has been the best. I wish our health insurance was as good. We own a dog grooming business in Florida and recommend Embrace to all of our customers with dogs under 3 years of age.
5

out of 5

POSTED: | BY: Jeanne Duncan

Continued great service

My dogs have been insured by Embrace for about four years now. About six months ago Peggy, my older dog, was diagnosed with Cushing's Disease. She's responding great to the treatment, and I am SO grateful to Embrace for making it so easy for me to get her the care she needs. The reimbursement process is quick and easy, and everyone is so kind! I am one happy customer. Thank you!Jeanne Duncan
5

out of 5

POSTED: | BY: Lynn Veronica

love pet embrace

I have a Yorkie and purchased Pet Embrace for her almost as soon as she came to live with us. When she was a puppy and I a new pet parent we had several incidents where she was into things that would make her sick. She picked up a leaf from a plant to have us chase her not knowing it would make her very sick. We rushed her to our vet and had her feeling better in no time and Pet Embrace was there for us. Another time she was very ill vomiting and had an emergency trip to vet on a sunday and Pet Embrace took care of our claim promptly. This is a great company and I really wish my insurance company for me was this good.
2

out of 5

POSTED: | BY: Fern Gladstone

Dissapointed

I can't believe that Tucker has to go a year from the last time he was sick with vomiting and diarrhea before you will cover another claim with the same problem. This must be buried somewhere way down in the small print. This denial pretty much makes up my mind...no insurance next year.

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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