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: Dan Perlman

I Picked The Right Insurance Company

I have nothing but good to say about Embrace. The claims process is quick and easy. The reimbursement checks were delivered in a timley manner. One of my dogs came down with Valley Fever and a few months later he broke a bone in his paw. I estimate that I saved about 80% on the vet bills so far. I would recommend Embrace to friends or family without hesitation. Keep up the good work! Dan PS: Please add "Puggle" to your breed selection list.
5

out of 5

POSTED: | BY: Trina Minella

efficient

I am very pleased with the quick and cordial processing of the two claims that I have submitted thus far. I appreciate the "personal" attention and the fact that there appeared to be no strings attached to the reimbursements. My puppies (Benny and June) are very happy too!
5

out of 5

POSTED: | BY: Christine Ambrose

Quick and painless

This was my first claim submitted to Embrace. I have worked in the employee benefits insurance field for over 30 years. Embrace is the Empire Blue Cross/Blue Shield for our furry and feathered "kids". The claim process was quick, the EOB was easy to understand, and the claim payment was reasonable. Totally painless procedure. Thank you.
4

out of 5

POSTED: | BY: Gayle

So far, so good. We've been a customer for 1 mo.

For the one claim I have submitted the customer service was good. I was totally s****** by my previous insurance so I am a bit cynical. The previous insurance was affiliated/through an organization that supposedly puts animals first. But with Embrace, as I said, so far so good!
5

out of 5

POSTED: | BY: Craig Armstrong

Outstanding customer service

This was the first year we had pet insurance on our dog. Our Golden had some problems with an ear infection and dermatitis resulting from a food allergy. Embrace handled the resulting claims very efficiently and kept us fully informed on the status of the claims via email. Their overall customer service (from issuing and renewing the policy to claims processing) has been outstanding.
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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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