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: Valarie (Beth)

Repeat Customer

In May 2009 we lost our beloved 13 year old Jack Russell. We then adopted two schnauzer mixes and decided we would try the insurance this go round. I did alot of research against the big names and finally chose this start up company because they were in Ohio and I wanted to support local businesses. I have been very pleased with the customer support and the quick turn around in processing claims. I will definiately continue to use Embrace Pet. I would not endorse a company in which I wasn't sure about their performance.
5

out of 5

POSTED: | BY: Lori Florin

Quality Customer Service & Timely Reimbursements

My 21mo. old dog recently had to have a significant amount of testing and blood work done to rule out some health problems. I was reassured to have my Embrace policy in place and be in the position to authorize the tests and better determine the cause of her health issues. During the process, I also received email updates from Embrace customer service reps as to the status of my pet's claim. I appreciated this and found it very helpful.
5

out of 5

POSTED: | BY: Dianne Temkin

Been a great company for us!

Our 2 year old golden retriever has had a few incidents this year (bee sting in the face, pneumonia in the summer, GI problems -all were handled timely and very fairly - we have been very satisfied and happy that we found Embrace for him as a new puppy(which we highly recommend doing!) Very good recommendation from a good friend!
5

out of 5

POSTED: | BY: Michael Helms

Processing of Wellness Claims in 2010

I purchased pet insurance for two new Pomeranian dogs in 2010 (a 1.5 yr old male and a 2 month old male). Got both dogs neutered + had microchips implanted during the year plus wellness shots for the puppy. However, I delayed sending in the wellness claims until the end of the year and had overlooked the 60 day limit on normally submitting claims. I called the office before sending in the claims in December and was encouraged to submit everything even though some of the claims were over 8 months old. Embrace processed the claims very quickly and I did receive refunds for all the claims I submitted. The staff has been very professional over the phone and in sending me emails on the status of the claims as they were completed. I am a licensed insurance agent in California and would highly recommend Embrace for anyone wanting to get insurance for their pets.
5

out of 5

POSTED: | BY: Sarah Parrish

Friendly and Fast

I have had my dog insured through Embrace for two years and it has been wonderful to work with them. I have one of the most accident prone dogs around and Embrace has been friendly for me and my vet to deal with as well as prompt in their responses and reimbursements. I would recomend everyone to have such a helpful and responsible insurance for their pet!

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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