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: John

Great Insurance

I use Embrace Insurance, They are great. They pay for everything. I have not been turned down once yet, for drugs, care or anything. My deductible is $250. I am now starting to have checks sent to me after I take Bruce in. They send personal e-mails to check up on Bruce too. You may feel like you are throwing money out the window. But just wait until you have a $3000.00 surgery, it will then pay off.
5

out of 5

POSTED: | BY: Mimi Fountain

Wouldn't be without it!

This is one of the few insurance companies that cover genetic problems that may occur in your dogs. That is a big relief knowing things that may happen, are covered. They pay in a timely manner, and always friendly and helpful. I would not be without this insurance on my dogs.
5

out of 5

POSTED: | BY: Alicia

Love this insurance

We chose, after careful deliberation, to go with Embrace for our 3 yr old bulldog. We were a little nervouse because our dog has some kind of random issue throughout the years and we were afraid that he wouldn't be covered. We have already been to the doctor 2 times for these random issues since we enrolled with Embrace and we know we made a great choice. Each time we filed a claim, they responded right away via e-mail and were very easy to work with to complete the claim. We have saved so much money already and I wish we would have set this up earlier.
5

out of 5

POSTED: | BY: Katie Maselli

Error on claim

I received an email advising that there was an error for my claim filing and I should have received an reimbursment. I wanted to give Embrace a big thank you for double checking this for me and being honest! They sure are a great company to trust!
5

out of 5

POSTED: | BY: Dazey--Laoradoodle from

Cooperative and truly interested in your pet!

Embrace has been great with me. They are always there to answer my questions and are very patient indeed.
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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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