Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,784

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,784

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: BONNIE WEINBERG

Great communication from Embrace

I submitted the first claim of my policy year for my boxer Sledge, for two unrelated conditions. One was the excision of an infected interdigital cyst on his left front paw. It required anesthesia and was a big chunk of money to come up with! I had to borrow some funds from money I had set aside for my son's wedding which is this summer. After meeting the annual deductible, I am thrilled to be able to recover some of the cost from this policy. Embrace staff was great about communicating the status of the claim, with no inquiries from me. I chose the policy because I could customize it for my needs. I work in the "human" insurance industry, so I am pretty picky about this stuff. Thank you, Embrace!
5

out of 5

POSTED: | BY: Mary Ann

Pyometra

My Golden Retriever developed pyometra. It ended up being a very expensive diagnosis and surgery. Although it took a month for them to process my claim due to trainee's in their claims department, I am very pleased that Embrace payed exactly as they outline in their benefits. I would definitely recommend Embrace to other dog owners.
5

out of 5

POSTED: | BY: Louise

Wellness Plan the Greatest

I submitted a claim for flea and tick prevention medication and had it reviewed and handled within a day or two. Great coverage.
5

out of 5

POSTED: | BY: Candice McGee

Embrace is the best

I never thought that I would need to use my Pet Insurance when I first signed up. Both of my danes were healthy. But when I found out that one of my babies was sick Embrace came to my rescue. Health insurance is costly whether its for humans or pets. The people at Embrace really understand what you go through as a pet owner. I can not say enough about them
5

out of 5

POSTED: | BY: D Stillo

Excellent customer service

I have to say that I am extremely pleased with embrace pet insurance. Customer service keeps you updated from the time your claim is submitted until payment is made-usually within 15 days. I would absolutely recommend them. In fact, I have 2 dogs and had another pet insurance for 5 years. I was unhappy with my old pet insurance customer se ice and fee schedule. I was concerned about switching to a new insurance at their age. I truly have been pleased with the way Embrace has handled all our claims . My only regret is not knowing about them when I first got my dogs!

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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