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: Emily Bates

Good reimbursement and fast response

GOOD REIMBURSEMENT. This current reimbursement was about half of the bill I submitted. My dog had a severe sytemic allergic reaction to an insect bite. This made me VERY happy and thankful that I carry insurance. GREAT CUSTOMER SERVICE. Claims are always followed up with a personal email from Embrace, acknowledging receipt of the claim, giving an estimate on the time for review, and when to expect reimbursement. I like the fact that a real person actually looks at the claim, and then gives me enough information about what to expect from Embrace--so that I'm never left hanging. Also so much appreciated is the genuine expression of concern about how my little fur-buddy is getting along following the medical problem.
5

out of 5

POSTED: | BY: Rochelle Reiss

Absolutely the BEST!!

I would not even consider not continuing my Embrace plan for my three Rotties. Having had experience in past years with other dogs on the VPI plan, I can say without a doubt that Embrace is the very best. - Honest, quick, compassionate and reliable. I know what I am going to get back, even before I leave the Vet's office and I am able to affordto give my pets the best care because of Embrace. Whoever started this Company had to have been a pet lover! Before I leave the Vet's office, the forms have been faxed to Embrace. The very next day, I receive a confirmation receipt from Embrace with a time frame for reimbursement. Customer service with Embrace is the best and many "Human" companies could learn a lesson in customer care from Embrace. If you're "shopping" for an insurer, stop here. You won't regret being "Embraced".
5

out of 5

POSTED: | BY: Murali

Good service

Just bought their insurance with wellness program. I am happy with the prompt service so far. I have only made wellness claims and checks have arrived promptly as promised.
5

out of 5

POSTED: | BY: Bridget

Love Embrace!

My now 2 year old dog recently had an injury that resulted in a couple trips to an orthopedic specialist. The first ortho doc thought it was probably a soft tissue injury and possibly related to mild hip dysplasia, the second ortho doc we went to thought it could be a back problem so they did an MRI. After we submitted all the xrays and MRI (eek!) we were so happy and relieved when Embrace covered 80% of everything. Not only did Embrace cover the xrays, MRI, and vet visits, they are now covering (at 80%) his rehab which includes acupuncture, laser therapy, underwater treadmill, etc.! I wish I could find an insurance company for myself that's as good as Embrace! I love the peace of mind knowing that I have the insurance if I need it. Embrace has fantastic customer service and I always hear back from them right away after I submit a claim. Usually only takes a little over a week to receive my refund. I also have the wellness plan that I think has paid off for the last two years (we have had Embrace since my dog was a young puppy). Highly recommend Embrace!
5

out of 5

POSTED: | BY: Sharon Poker

Nothing but Great!

I am in the medical insurance industry, and just wish we had the same caliber of response, attention and kindness as the claims agents at Embrace. They have been nothing but helpful and kind. When my 4 month old American Bulldog puppy had an unexpected ER visit, my claims adjuster wrote for me "to give Dex a hug for her" when is the last time your insurance company conveyed that sentiment? I couldn't be happier with Embrace!

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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