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: Glenda Peirce

Our First Claim Was Wonderful!

This was the first time we have ever submitted a claim with your company. It was completely painless and your customer service was so helpful! Everyone was compassionate, informative and polite. When we spoke to our veterinarian about how impressed we were with Embrace, they imformed us that they have never filled out a simpler form and are going to start recommending your company. Embrace would be a model for our governments health care reform.
5

out of 5

POSTED: | BY: Paula Ballard

After 6 years, we are still very satisfied

The service is very good at Embrace. Every matter is handled with professionalism, kindness and although there was a slight delay, more timely then any human health insurance. I did get an e-mail explaining that there was a delay, and the reason. I consider that excellent service. My veterinarian call me to ask my opinion of Embrace, how it worked and what he could do, if anything, to make sure he was filling out the paperwork correctly. I will follow-up with him to make sure he understands how pleased we are with Embrace.
5

out of 5

POSTED: | BY: Mary Ellen

Very prompt, professional, courteous service

I have had my 3 Irish Wolfhounds "embraced" for several months now and am very impressed with Embrace's service.They are very thorough, prompt, professional & courteous. My reimbursements have been received and explained quickly. I would highly recommend this Insurance company. So far, we are all very happy with them. Thank you!
5

out of 5

POSTED: | BY: Stacy Veo

Impressive would never have another pet without it

This was my first experience with any pet insurance. I was advised by our breeder to purchase specifically Embrace. I currently have a Bernese Mountain Dog and a Spring Spaniel I immediately purchased when we brought them home. Our Berner had got into trash while we were away on vacation and had a possible obstruction. She spent 24 hours in an emergency vet clinic with out fingers crossed surgery wasn't needed. We had numbers thrown at us from $1500 to $7000 which can be a bit overwhelming, but in the back of my head I thought well we have this insurance lets see how good it really is. Dakota thank goodness did not need surgery and was able to come home to us after 24 hours. I put the claim in without ANY issues. It took a few days and when I received the e-mail they literally gave me EVERYTHING down to the penny back that I could have possibly received based on my plan. This is such a piece of mind and something I will NEVER go without again. I have told all my friends and family who own pets or are thinking about getting one to sign up. It costs me a total of $80.00 for both a month and gives nothing but a piece of mind it is truly the best thing I have ever done.
5

out of 5

POSTED: | BY: Lee Downs

Honest and caring folks!

We have had several pet insurance companies over the past five years and only Embrace has been the one to honestly try to get my claims paid. They work hard to see if there is a way to settle any and all claims quickly and efficiently. They honestly look for a way to settle all my claims, whereas other companies try to find a way not to pay a claim. And they do so without a lot of form filling and continuous demands of more information regarding any claim I had submitted. With Embrace, my vet faxes in the form and Embrace tries to get each and every section of the claim paid quickly. They are in constant e-mail contact with me advising me of the progress of the claim (which is what I really like).

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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