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.
5

out of 5

POSTED: | BY: Johanna

Happy with Embrace

This is the first time we purchased pet insurance. Our veterinary office recommended VPI but after careful research and reading online reviews we chose Embrace mostly because they cover breed specific conditions and their clear reimbursement plan. So far everything has worked out as promised. Customer survice is professional, caring, and quick in their responses. I wish we would have signed up earlier.
5

out of 5

POSTED: | BY: Nina Valenziano

I wish this was my insurance!

Both my dogs have Embrace coverage. Embrace had great reviews when they first signed on, and all have proved to be true. Diesel has been lucky enough to not have any serious physical problems, just allergies. But, Maverick has had a hip replacement and knee surgery. Embrace has been great in helping me understand the coverage they have and very easy to talk to. Embrace also has a very simple process for submitting, they request an itemized list from the vet or doctor, via email or fax. They send an email once the vet/doctor has submitted the breakdown, which helps with knowing the vet is on top of things too. Thank you for your help over these past few years!
5

out of 5

POSTED: | BY: Margaret Alexander

another good experience

claim handled in timely fashion. all questions answered. have received good advice on how to make claims process for my newest dog easier. all in all, highly recommend.
5

out of 5

POSTED: | BY: Kurt Hague

Easy Decision

I have a 9 month old Newfoundland that was diagnosed with bi-lateral luxating patella. Having Embrace Pet Insurance made the decision to have surgery very easy, knowing that I could afford to have both of his knees repaired. He is now walking much better and the prognosis for the future is very favorable. The alternative to surgery was to put him down. I received the check in a timely manner and hopefully we can now enjoy our puppy.
5

out of 5

POSTED: | BY: Randy

Excellent service and coverage

I wanted to say a quick word about my experience with Embrace, first I have never dealt with a company with so much compassion and professionalism. They truly do out of their way to show their clients empathy and caring. I would recommend them to any pet owner!

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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