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: Sharee

Great personal attention from Embrace

Embrace quickly handled my claim. In addition, what really impressed me was the personal correspondence from them. I had some questions about filing my first claim, and they walked me right through it. The individual treatment was a really nice touch. I too had switched from VPI to Embrace, and am very glad I did.
5

out of 5

POSTED: | BY: Brenda Appelgate

helpful and friendly!!

I recently had to ask several questions about our insurance benefits when our sweet Lola injured her leg. At first we thought she was going to need orthapedic surgery and we werent sure how to go about applying for the benefits and how to work with the vet on this. Embrace answered our questions quickly and very clearly but what impressed me the most was their kind and compassionate way they helped me. I had the very clear idea that they truly cared about Lola's injury and helping as best as they could to make sure she got the care she needed. I have seen several advertisements at pet stores and at vet offices for other insurances, but I have never even opened the brochures because Embrace has offered the best personal compassionate service.
5

out of 5

POSTED: | BY: Jaclyn

Quick and Easy

This was our first claim. The form was easy to understand and the Vet's office was very helpful in providing all the necessary information. The process was quick and easy.
5

out of 5

POSTED: | BY: Mandi

piece of mind

I use embrace because it gives me piece of mind when making sure my pets get the best possible health care. I don't have nearly as many financial concerns when it comes to veterinary services. I always get my money quickly and my benefits are always explained to me. I get the refund deposited into my account usually within a week of the claim! I shouldn't have to deny the best case senario for my pets due to my budget.
5

out of 5

POSTED: | BY: Aki

Embrace is the best insurance!

This is the second time we have purchased Embrace insurance. Our first experience was with our 3 year old Newfoundland who ended up with lymphoma. Embrace paid every claim without question. They were kind when she eventually passed away and stopped billing us without questions. I wish MY health insurance had such a great track record!I purchased the wellness program for 299 and they covered $400 worth of veterinary services. I got my puppy neutered and chipped and it was like I got a discount!

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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