Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,759

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,759

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: lorraine harrison

best of breed

this company is so professional... responds quickly and pays my claims... I use several vets and one is holistic and does extensive testing... in the long run will be cost effective for the company..this company was recommended by a vet who loves the company and was only concerned that it would stay in business since it was a new company then(2 years ago)highly recommeded
5

out of 5

POSTED: | BY: Lynn V.

Your the best for us!

Candi and I have used you since 2008 and we are very pleased with all of your services. She was 8 weeks old when she came to live with us. As a puppy there are things they can get into before you know it. As a pet parent one emergency vet visit is enough to offset the cost of a policy. Having a wellness policy is a comfort to know that she will have her shots and check-up yearly. Thank you so much for being there and you are a great peace of mind! Lynn & Candi
5

out of 5

POSTED: | BY: M. LaVally

Embrace gives me peace of mind!

I feel very confident that the people at Embrace care about animals in general and my son's dog Bowser in particular almost as much as we do! Excellent customer service from everyone we have dealt with. I know they Will promptly take care of any future claims we file, as they did with the first claim.
1

out of 5

POSTED: | BY: Susan Frost

HORRIBLE

I signed up with Embrace - immediately upon reading the reviews on this page. I went for the best plan possible - at almost $60 a month. Ironically, there is only a $200 max that they will cover under "wellness". According to Embrace - "wellness" covers checkups when your dog is sick from parasites, spaying and neutering, vomiting, and lethargy. I had WAY better coverage under AKC years ago. Now I am out over $1000 - between vet bills and payments to this sorry excuse for a Health Insurance.
5

out of 5

POSTED: | BY: Michelle Bissonnette

Can't say enough positive things about Embrace!

I have a new goldendoodle puppy and am a typical overprotective and nervous parent. It's been years since I've raised a puppy from this age and the last time I did, pet insurance didn't exist. The peace of mind that Embrace provided to me in our first few weeks together has been amazing. Their customer service representatives (Thank you Jessica and Adrienne!) were so helpful and attentive to every question and email I sent. I recently submitted a Wellness Claim as was fully reimbursed for all charges on Lucy's first visit to the vet. I had just purchased my policy and thought for sure they would tell me that I had to wait... NOPE! I just received my deposit notification -- FULLY reimbursed. It just doesn't get any better than that! I could not be happier with Embrace and I highly recommend it to anyone who has pets.
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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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