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: Cindy Kieler

great customer service!

So far I had only one claim after my deductible and everything went very smooth! The customer service is outstanding and very responsive. The claim money after Co-Pay was deposited quickly into my bank account! So far I am very happy with Embrace Health Insurance! I hope we won't need it again but it sure gives some peace of mind to have it in place!
4

out of 5

POSTED: | BY: Paul

very quick reimbursement

Very quick response and reimbursement. We hope to not need to file any claims other than wellness, but we know that we'll at least get reimbursed quickly.
5

out of 5

POSTED: | BY: Sandra Jackson

Excellent coverage and very responsive staff!

I've had Embrace pet insurance for over a year now and have been extremely pleased with both the coverage (for illnesses as well as general wellness expenses - like flea medication and teeth cleaning). In addition, the staff are wonderful about keeping you informed about the status of your claim, an explanation of the coverage, when to expect a check once the claim is approved and even check to be sure you have received your check. Excellent all the way around!
5

out of 5

POSTED: | BY: Dee

Rehab Covered Too - WOW!

Words don't even begin to express the "WOW" that accompanies having your pet covered with Embrace. My pup suffered bilateral hip dysplasia. Not only did Embrace cover the FHO (surgery), they cover the rehab as well. This allows my pup (only 8 months old) to have the best shot of recovery available to him. Rehab is very expensive -- worth it clearly -- but no small claim. Not only is this covered the reimbursements are so prompt - in some instances less than 72 hours - WOW. Customer Service is awesome, every representative I speak to is knowledgable and kind as well as caring - another WOW! Then get this WOW -- they provide exceptional coverage. Not all providers cover the things that Embrace has. I did my homework when selecting this insurance. I had a very unfortunate experience with another pet insurance provider. So I learned a lesson the hard way with that other carrier. I know what I speak as to providers and Embrace - WOW -- they are AMAZING and offer a SUPERIOR product. This provider has allowed me to get the best care for my sweet pup and believe when I say -- not all insurance companies are that way -- THANK YOU EMBRACE!
5

out of 5

POSTED: | BY: Robert Lerner

The best

My toy poodle is six years old and I originally had another insurance company but I became unhappy when dealing with claims I had sent them. About 4 years ago I switched to Embrace and I can tell you I have never been more satisfied. All the claims people have been super to deal with and the claims themselves have been handled in a timely manner. As I said, they are the best.

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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