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: Patricia M.

Quick with reimbursement checks

So far we are pleased with Embrase Pet Insurance. I have claim faxed in and the next day I receive a response in my email that you received Abby's claim.
5

out of 5

POSTED: | BY: Terry Brown

Amazing Customer Service

We have received nothing but great customer service from Embrace. The constant communication on the status of our claims has been amazing. Also, whenever I have had to call with a question or clarification, I received the information needed in a timely and efficient manner. We breed & show Greater Swiss Mountain Dogs and we recommend that all of our new puppy owners seek insurance with Embrace.
4

out of 5

POSTED: | BY: Ruben

My experience wit Embrance

I had use it for 4 years, since we arrived to US. Thanks to god we did not use a lot, just last couple of months when my best friend Vinicus dog got sick and died. Wehave receive prompot payment for all reimbursement, they also made me feel like a friend and not just a customer. Repgards Ruben
5

out of 5

POSTED: | BY: Beth Clark

Embrace lives up to its name!

After having Embrace for about 7 months, I noticed my 4 year old chocolate lab was beginning to limp. She ended up needing a TPLO knee surgery for a torn cruciate ligament. It cost $3000! Thankfully Embrace reimbursed us around $2, 650! The customer service is great and I always receive my claim checks within 7-10 days.
5

out of 5

POSTED: | BY: Jessica

Great Experience

I called in to cancel my coverage and the agent was kind enough to point out that I had not yet even used my wellness credit. I put together a group of receipts and lo and behold, my dog needed to be seen for back pain! I'm so glad I have the coverage and will definately be a customer for years to come. Thanks, 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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