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.
4

out of 5

POSTED: | BY: Rita Gustafson

Good Service

With our Murphy we received timely response on his health care claim. Although I'm a little disappointed with Cody's claim which I felt should have been taken care of already (guanranteed it was faxed over the Thanksgiving holiday which I think the claim center was closed that Friday) but I should have heard something by the 17th and still wainting.
5

out of 5

POSTED: | BY: Shure Jacobson

Very Satisfied

I've just acquired a second dog and they are both insured with Embrace. Although, I'm a new customer, I have found Embrace to be expeditious in responding to claims and most efficient in keeping me apprised of the status of filed claims and all other matters concerning the wellness of my puppies.
5

out of 5

POSTED: | BY: Darla Goodwin

No hassles with claim.

Sometime last summer my Labradoodle helped herself to leftover corn on the cob out of the trash. For some reason it took until Thanksgiving week to cause an intestinal obstruction. She had to have emergency surgery. She is almost 4 and I have had Embrace since she was a pup. This was my first claim and I anticipated there may be some hassle. I submitted the paper work and all went very smoothly. They communicated with me frequently with e-mail and I was very pleased. It gives me peace of mind knowing they are reliable and honest.
5

out of 5

POSTED: | BY: Catherine Chancellor

Prompt attention and reimbursement payment

I filed a wellness claim and received an e-mail letting me know it was received immediately. Within 10 days I had a check delivered in the mail. The response from Embrace is faster than my health insurance claims! I am very happy with my coverage and attention from Embrace.
5

out of 5

POSTED: | BY: Douglas Knox

Wish I had Embrace sooner

I would like to thank Embrace for reimbursing me for a fair amount of the veterinarian services that was performed on one of my two cats that I have recently. I had previously had two other cats as pets before I had the two I have now, but never had pet insurance. I always thought it was unecessary and perhaps a bit of a scam. So I took the two cats I had then to the vet at times and paid full cost for services. I had those two cats for over 16 years. I can now say however that I truly regret not obtaining pet insurance then. Embrace Pet Insurance, at least on their part, have shown me that it is indeed a worthwhile investment to have pet insurance to help ease the financial costs of having a pet. Especially two. I am especially pleased at how Embrace has handled the claim. The Company is professional and the claim was processed in the time frame they spoke of which is good enough for me. I urge anyone out there on the fence thinking about getting pet insurance or not, to do so. And I absolutely recommend Embrace Pet Insurance. I'm glad I did!

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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