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: Ashlee Lewandowski

Very Happy So Far

I have never purchased pet insurance, but when I got my boxer puppy I was told I should look into it. I checked with many different companies and I really liked what Embrace has to offer. Embrace is very quick to respond and to let you know what they need from you. I have done everything through email and I have had quick and efficient results. Thank You!
5

out of 5

POSTED: | BY: Tim

Love em so far

Have made 3 claims, one for getting our pup 'fixed', and two GI problems. Prompt service, prompt communications, prompt reimbursement. Love em!
5

out of 5

POSTED: | BY: Kelley

A Great Experience! Highly Recommended

I have been very impressed with the quality, promptness and follow through of the customer service representatives. I admit I was skeptical when I signed up for the insurance, and I was reluctant to submit a claim because I assumed it would be a hassle. I am happy to report that so far our experience has far exceeded my expectations. EVery claim was handled promptly and I received checks and feedback on my claims shortly after filing them. The customer service reps dealt with me via email, which was very convenient for me, and responded right away to questions and claims.
5

out of 5

POSTED: | BY: Ron Lautaret

Quick service, plenty of feedback

This was our first claim. Since it was the first I wasn't sure what to expect. The claim was handled fairly and fast and I got several emails telling me what was going on. I'm pleased and confident about Embrace.
5

out of 5

POSTED: | BY: Julie E.

So far so good

We made our first claim and it was much easier than I imagined. We received the claims check promptly. We feel safer knowing our pup is covered by such a company.
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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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