Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,810

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,810

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.
4

out of 5

POSTED: | BY: P. Cross

happy so far

My accident-prone lab puppy has made me very well acquainted with our vet in her short 7 months (UTIs, infected bite wound, eating non-food objects). Embrace has processed all the claims quickly and with a minimum of fuss. I recommend them.
5

out of 5

POSTED: | BY: Laura Billings

Happily Satisfied

This is the first real claim I have had with them. They processed it quickly, they let me know when they receive it, they let me know what my refund is before it gets mailed and when it will be mailed. Very efficient and so far satisfied with their service.
4

out of 5

POSTED: | BY: Tiffany Maloney

redeeming themselves

My first claim did not go smoothly because myvet does not fill out insurance paperwork. This is required by Embrace. After a long phone call, faxing in doctor notes and waiting 3 weeks the claim was accepted.
5

out of 5

POSTED: | BY: Jackie Asadorian

Excellent Customer Service and Coverage

This is my first experience with pet insurance, and I've only been a customer for about a month, but so far I am EXTREMELY impressed. The customer service is really unparalleled--I always receive a prompt and friendly email keeping me abreast of the status of my claims, etc. Everyone I have dealt with has been really lovely and helpful. I would highly recommend Embrace to other pet owners.
5

out of 5

POSTED: | BY: Nancy L

Worth the investment

I have an insurance policy on my youngest dog and for the second year in a row, Embrace has promptly and fairly processed his claim. It is worth every penny to me that I know he is insured by a legitimate company that cares!
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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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