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: Dawn abrams

Awesome

Everyone was very friendly and helpfull! Walked me through as it was my first time filing a claim. Wad quick and detailed on responding through email. Very happy I choose embrace for my cat
5

out of 5

POSTED: | BY: Linda Hufton

Good company.

----- Although my current claim with Embrace was refused, I believe the assessment to be fair. The customer service representatives not only demonstrate a solid knowledge of policy, but also a willingness to help and explain any/all questions. Embrace has a much more equitable definition and coverage of "pre existing" conditions and recognizes/supports the amazing benefits of alternative/holistic treatments. I honestly feel this company strives to offer the pet owner good, fair policy coverage. Thank you. I am impressed.
5

out of 5

POSTED: | BY: Lori Silva

Amazing Customer Service...Incredible Coverage

I've had pets all my life but it wasn't until a year ago when I got a new puppy that quickly was becoming expensive with all the vet visits, that I realized pet insurance could be a good think. I did my research and decided on Embrace. I've been so pleased with not only the level of customer service but the level of "personal" customer service. My claims are addressed immediately and reimbursement quickly. The coverage is the best I found in my research. I was so happy with them that when I got my 2nd puppy, I added her to the policy as well. Honestly, I can't say enough about Embrace, an all around great company. I've recommended them to all my pet loving friends.
5

out of 5

POSTED: | BY: C. Marino,

Very happy with customer service & turnaround time

My first visit to the vet with my new dog resulted in returning home with several pamphlets on pet insurance. I did my homework and extensively researched each one. Embrace was by far, the best one I could find. They have not proven me wrong!! Their "claims embracer's" are outstanding. I am kept informed every step of the way regarding my claims and receive answers to my questions quickly and professionally. The turnaround time on claims is good and there is always communication from Embrace as the claims are being processed. Sadly for my dog, he has issues but I have relief knowing that Embrace is there for me. I am happy I chose them.
5

out of 5

POSTED: | BY: Maria

Amazing program and service

Once again Embrace has WOW'D me! I cannot boast enough about the company, their customer service, follow through and follow up. I market this company every chance I get to people who have pets or are thinking of it. Thank you again for taking care of our 'kids' with a white glove.
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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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