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: Allison Dahle

Ollie Eats the Squeeker

My sweet little puppy Olivia loves a squeaker toy. One Monday she got very sick and threw up and was very wobbly. Off to the vet we went, 8 hours later and $554.00 poorer, we came home with puzzled thoughts what was that in her body that started out in the am by her stomach and was now down by her tail? Well 20 minutes at home and out she went to relieve herself and what did we find but the squeaker toy. Thank goodness for Embrace they have paid the entire claim. It was the smoothest transaction ever. I wish my healtcare was this easy. Thank you Embrace you guys rock.
5

out of 5

POSTED: | BY: Kathy Fleenor

Love the Wellness program

Very thorough company, easy to read forms, quick reimbursement for the wellness exam. Am getting ready for the spaying and microchip and hope to save some $$ once this is complete. Considering adding other pets in the near future for more discounts. My vet is very impressed with the company so far and may refer new patients.
5

out of 5

POSTED: | BY: Louise SooHoo

Great Wellness Policy

I can't say enough about Embrace's Wellness Policy. It covers all those expenses you know you will have throughout the year...flea medication, heartworm, etc. It's almost as if someone is just handing you $40.00 for taking care of your pet.
5

out of 5

POSTED: | BY: M. E.

Great company

Very quick to process claims and keeps you up-to-date via emails. Very easy and no-problem claim processing (they don't give you a hard time on what they cover and what they don't, nor do they try to hide behind legalese or small print). They covered and quickly refunded everything I have submitted to them so far.
5

out of 5

POSTED: | BY: MFish

Great customer service and response

This is my first run at having pet insurance. After doing alot of research I decided on Embrace and to date I can say I made the right choice. From the time I called into review my quote then sign up and now file my first claim the experience has been SUPER! Thank you Embrace for taking our pets coverage seriously and providing great service.
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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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