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: ERIN ZESPY

good customer service

First of all it was upsetting enough to learn that my dog had hip dysplasia. On top of that, I was worried that like my previous insurance company they would find some way to deny my claim. It would have made things much more difficult if the insurance company wouldn't help. I am happy to say that Embrance covered my claim.
5

out of 5

POSTED: | BY: Jen Rossi

Now a satisfied customer

I believe there were some growing pains with Embrace as I originally had an issue surrounging what I was told would be reimbursed and then it was not. They have really clarified their processes and over the past couple of years, I have been very pleased with their timeliness of reimbursements, clarity of coverage and customer service communication. I now recommend Embrace and my entire extended family is using their insurance with satisfaction.
5

out of 5

POSTED: | BY: Misty

Very Satisfied!

I own two beautiful Great Danes, but come Great Danes comes large medical bills! We choose embrace because of everything it offered as opposed to other companies. It far beat out the competition! We have submitted several claims to Embrace and have had quick turn around times. When they take longer than expected on a claim they send an email updating you to assure you that your claim did not fall into a "black hole" and this is even before you contact them! I am so glad to have pet insurance because with two 140 pound dogs, the bills for anything triple and quadruple that of a small to medium sized dog!
5

out of 5

POSTED: | BY: Robin Madison

Good experience

Filed my first claim with Embrace. Small claim, but I was pleased with how easy it was and how quickly the claim was reviewed and approved. Have never worked with a pet insurance company like this - terrific!
5

out of 5

POSTED: | BY: Terri, MA

highly recommend Embrace

We have been with Embrace for several years now and highly recommend them. Their payments have been quick and having a Cavalier that can develop possibly an inherited illness we wanted a company that would cover it if ever needed. Many companies in small print exclude inherited diseases for specific breeds. The staff are wonderful to communicate with and they have been great.

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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