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: Sandy Rios

Embrace makes it easy!

I appreciate Embrace and there attention to detail. They always answer my questions and all the employees are on the same page. My pet had a heartworm test done, I submitted the claim right at my vet's office and just got an e-mail stating I will get my refund in 2 business days. This is awesome!!
5

out of 5

POSTED: | BY: Amy

Wow

My dog had a liver injury which has since been resolved. I was totally stressing about the reimbursement amount. The total of the bills I paid were about $2,750. My plan was a $500 ded, and a 10% copay. I got about $1,900 back to me. My policy didn't cover prescriptions/drugs. There is an option for that. I'm very very happy though. I mean, pets are going to cost you a little bit out of your pocket. That is expected. I compared about 7 companies before I chose Embrace.
5

out of 5

POSTED: | BY: Leticia Elisea

Fantastic! Better than people insurance!

They are awesome. Initially just put my smallest dog on this because he's so small I was worried he'd get injured easily..well he didn't get injured but had a few other health issues come up..and they have been fantastic and walking me through the process. I have three dogs and I'm adding one to this and cannot wait for the policy on the other dog to expire so I can switch him over as well..They have been amazing!
5

out of 5

POSTED: | BY: Heather Sysol

Outstanding Customer Service

I Recentally switched insurance companies and joined embrace. I was a little worried due to my past experience with my other insurance company. They would take days to call back regarding claims, the amount they said that I would be getting back was such an outrageously low price I just didn't understand were they were coming up with the figures and the amounts. With embrace I feel like they are always emailing me and keeping in touch when something happens with my dog Roxi. They are so helpful and when you call you can actually speak to a person and not a computerized system. I have already recommended embrace to alot of my friends and family with pets. I love embrace and my pet loves embrace. Thank you.
5

out of 5

POSTED: | BY: Janeil Kikuchi

Prompt service with no hassle!

Wow, you made it so easy to take care of my claim. I just faxed the pre-printed form you sent me and a few days later I received my check. Thanks so much--I am really pleased with your service!
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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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