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: Sandra

Very quick reimbursement!

Shortly after submitting my wellness claim for Sho-na's spay procedure, I had my reimbursement direct deposited into my checking account. By shortly, I mean within a week! Thankfully, I've only needed to use my Wellness insurance. No injuries or illnesses "yet". But if that does happen, I'm confident Embrace would be right on top of reimbursing! I'm very pleased so far.
5

out of 5

POSTED: | BY: Kristen

So Far So Good

Embrace has been great in helping me with my dog, Mookie's, insurance coverage. Any question I have i get a quick response. I just received my first reimbursement check and was pleased at the coverage. Even when one of my claims was lost I wrote a couple e-mails and the issue was taken care of. I am very pleased with Embrace!!! I did a lot of research on various insurances before I went with Embrace. I picked Embrace because of the reviews I had read, and because they have the best coverage. Thanks, Embrace!!!
4

out of 5

POSTED: | BY: Lisa Schreiber

Great Customer Service, but the jury is still out

I've had Embrace for a little over a year on both of my dogs and submitted a wellness claim and within a week I heard back and the check was in the mail. Everyone I've dealt with has been very helpful. I'm still waiting to hear back on another claim and will provide more feedback once that has been addressed.
5

out of 5

POSTED: | BY: David Armstrong

great company, fast reAsons

Claims payments are fast, easy to make a claim. Able to talk with a real person (who speaks English and is not from a call center in Asia); able to answer questions about coverage. And, claims are paid FAST!
4

out of 5

POSTED: | BY: p monaco

kind of slow on reimbursement

Our dog has continuing coverage on his policy. Our vet feels that prevention is worth a pound of cure and wants him to use ear drops for yeast once a week. We have had the scrip refilled 3x and each time it seems to take longer to get reimbursed. Also, I think a note in the file should suffice so that the doc does not have to continually fill out forms.
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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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