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: Charolotte (Miskin)

The best there is!!!

I have been with Embrace for three years and have been beyond happy with this company. The "Embracer's" are all considerate, compassionate and helpful without exception. My little girl (Bichon Frise) is safe, health care wise, which is extremely important to me. I would rather pay a little each year to guarantee that i will never have to deny her medical help just because i can't afford the procedures. She is more than a member of my family, she is my friend, my protector, my entertainment and my love. I have to keep her safe. She does her very best for me, how can i do less for her?
5

out of 5

POSTED: | BY: barb

Very pleased so far!

We just had our puppy spayed, and the same day we faxed the claim to Embrace we had a reply via email. Within a week or so we had a reimbursement check, as we have the Wellness plan. I could not be more pleased so far, we've had excellent, prompt communication and fast payment. And now that our puppy has been spayed and microchipped our monthly premiums are just over $3 less.
5

out of 5

POSTED: | BY: Elaina Newman

We're still thrilled with Embrace a year later...

The level of customer service and the speed of reimbursements has been stellar. I especially love the way they always ask you to give your dog belly rubs from them. :-) I'd recommend Embrace to anyone.
5

out of 5

POSTED: | BY: Jodi Kimizuka-Connelly

Efficient, effective and personal

We have had Embrace Pet Insurance for about 8 months and our little Naia has had some issues. Not every claim has resulted in a reimbursement but even when our claim has been denied we have been satisfied because of quick and effective communication. When our most recent claim was filed, we were reimbursed immediately and without any hassle. Embrace has been outstanding and treats our pet and us with great respect and caring.
5

out of 5

POSTED: | BY: Angel Marcum

I have been very satisfied with Embrace and their

I researched pet insurance companies before embrace, and Embrace had the highest ratings. Angel was 6 months old when insured. She is now 3. Embrace has always acknowledged claim immediately and settled within 2 weeks. Thank you.
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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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