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: anne-marie aguirre

Fantastic!

We purchased Embrace insurance when we got our puppy. We're delighted with Embrace and those Embracers who help us with our questions and who give us the information we need. The quality of service both on the phone and via e-mail, the friendliness, and the promptness with which claims are processed is simply wonderful. We thank Embrace and so does our yorkie.
5

out of 5

POSTED: | BY: Susan G.

Consistently Dependable

We have had Embrace for nearly 4 years, first for one dog and now for 2. We have always been paid appropriately in a timely manner, and the staff is always helpful when we call. The policy has more than paid for itself. I recommend Embrace to all our friends.
5

out of 5

POSTED: | BY: Tania Pulkowski

So far, EXTREMELY PLEASED

I got my puppy in May of 2010. I decided to go with Embrace as it appeared to be one of the best coverages.I have recently had an issue where my puppy was diagnosed with Anaplasma, a tick born disease. I was thrilled that the first 2 claims I submitted were paid in full, less my deductable. Thank you Embrace to living up to what you say.
5

out of 5

POSTED: | BY: Paul

Great Wellness service

My first experience filing and receiving a wellness reimbursement claim was pretty flawless. After sending scans of all the claim form and Vet bill/notes, I received a check for the full amount about a week later. I do not think it can get much easier than that. Thank you.
5

out of 5

POSTED: | BY: Shana Lewis

So far, so great!

As with people insurance, we hope we never have to use our Embrace benefits, but we sure are glad we have them!We are just a little over the 6 month mark in our first year with Embrace. In that time we've had two wellness claims and one illness claim. The wellness claims were processed very quickly by a couple of the most friendly people I've had the pleasure to be in contact with. We are still waiting for information about the illness claim, but I understand that these types of claims would be a little more involved. So far, I've been very pleased with all aspects of Embrace pet insurance.
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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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