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: Wenni

Great Customer Service!

I have done alot of research before I signed up with Embrace. All other carriers have had negative feedback/reviews and made me very cautious on even getting pet insurance. For example, are all future claims going to be a battle of what is pre-existing or not... However, I found Embrace and I thought to give it a try. I am extremely glad that I did. The customer service is beyond exceptional because there is actually a person on the other line! I recently filed a wellness claim and frankly I didn't have high expectations of the process... Embrace surprised me by making the process so easy and painless. My entire wellness visit for my pet was reimbursed! All I can say is wow! Embrace rocks! I feel secure with Embrace.
5

out of 5

POSTED: | BY: sandie horvath

It pays... to have have pet insurance

I am so thankful I found Embrace Pet Insurance. Their wellness reimbursements have paid me back my premiums every year now. I have recommended this program to all my friends as it covers so much and the folks are so friendly.Insurance has never been so good! Sandie Horvath RN and Budde' Boy North Fort Myers, Florida
5

out of 5

POSTED: | BY: Ilene M

The best once again!

I wish our health insurance were as good as our dogs! We own a dog grooming shop and recommend Embrace to all of our customers with young dogs. We are so pleased with the service. Thanks again.
1

out of 5

POSTED: | BY: David

Not what every said on here.

I bought this insurance for my Bulldog. He had issues a couple weeks after the wait period where he needed to have his soft pallet worked on. They took longer than the supposive up to 15 days... they took about 20 days. They also denied him stating that the vet said "She wondered if he had this issue" which was never mentioned to me. Also they tried telling me that Asparted (Spelling) Pnemonia is a symptom of Enlongated Soft Pallet. There is no medical documents proving this. Dogs can get this from eating to fast (bulldogs!!) and drinking to quickly. It was just a very bad experience! I cant believe that there are this many good review for them.
5

out of 5

POSTED: | BY: John

Couldn't be more satisfied!

Our year-old English Bulldog ate a toy which blocked his small intestine. He required bowel resection, hospitalization, and medication - a hefty vet bill. Embrace responded quickly to the faxed claim, gave a detailed explanation of benefits, and sent the check promptly. First rate service on all fronts.
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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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