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: Ana Schulz

It is easy to embrace "Embrace"

My experience with Embrace has been exceptional in every way. The customer service has been superb, with personal, compassionate and caring representatives. The claims are handled in a timely manner and reimbursements are swift. If only insurance representatives for humans were so compassionate and helpful! I recommend Embrace to every pet owner I know and meet. Thank you, thank you, thank you!
5

out of 5

POSTED: | BY: Alex

Our first experience is excellent.

We just signed up for Embrace and filed our first claim. The process was efficient, fair, and communication was first rate. We are looking forward to continuing high quality customer service.
5

out of 5

POSTED: | BY: Maddie's Mom

Epitome of GREAT customer service

Embrace has been a pleasure to work with since the day I signed up 3 years ago. I haven't had any major medical issues with my dog (minor skin issues/allergies/ear infections etc), hence no payments/checks made yet. However, whenever I have had claims processed to be put towards my deductible, it's been done quickly, efficiently, and most importantly, with such a pleasant and helpful attitude. Most insurance companies look for reasons to reject your claim -but Not Embrace. I am blown away by how willing to help each representative is. They are the epitome of great customer service. So far so good! And I have recommended them to others, as well as my vet's office, and I only hear good things in return as well. They definitely go above and beyond, over other pet insurance companies.
5

out of 5

POSTED: | BY: Lynn

So far so good

Hello, I just submitted my first claim after rushing my Blondie to the hospital while she kept vomiting blood. The claim got processed rather quickly.Of course, because it was a first claim, after the deductible, there wasnt much left in terms of dollars. But still almost 200 dollar which I am getting back:) But I'm still glad that this went smooth. It reassures me for future claims and problems.
5

out of 5

POSTED: | BY: Megan Scully

Very impressed!

Daringly, i chose an English Bulldog for my first dog. After realizing how much this cute little ball of wrinkles would cost me in vet bills, i started to get a little nervous. I chose Embrace because they cover breed specific and genetic conditions, which would be the cause of most of my bullies vet visits. Right off the bat, my little bully suffered one rash after another and eventually cherry eye, a genetic condition requiring a very expensive surgery. i submitted the claim to Embrace with fingers crossed. I expected, like most insurances, that there would be some sort of fine print stating that the surgery would not be covered. I was never so happy to be wrong. Embrace covered the surgery and saved me over $500. They are efficient, attentive, and timely when it comes to reviewing claims. They kept me informed as to the status of my claim and even followed up to make sure i had received my return. I would recommend Embrace to any pet owner especially one who owns a purebred animal potential health problems. I'm very impressed!

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.

Get a quote today

Leave a review