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: Stephanie

Great customer service

My 7 month puppy, Lola, is my first pet. My husband and I decided to get insurance for her since he had dogs in the past with expensive health problems. I am so glad that I decided on Embrace. They were very good to deal with. There was a bit of leg work for the first claim, but now that Embrace has her health history it should be very easy after this.
5

out of 5

POSTED: | BY: Mary

Awesome Pet Insurance

I have tried other pet insurance companies, including VIP and Pets Health (ASPCA), and there is absolutely no comparison. Embrace is simply the best. There are no surprises, the staff is wonderful, and you always know that your pet *will* be covered if something happens. Don't waste your time and money on other pet insurance companies. Sign up with Embrace.
5

out of 5

POSTED: | BY: Leslie Carlsen

Never thought I'd need to use it this soon.

With the addition of a rescued Yorkshire Terrier puppy to our family I thought the time was right to insure this "little terror". Finley came to us after being too much to handle for his previous owner. He is high strung, rambunctious, extremely active and cute as can be. I figured if any pet might need coverage,it would be this little guy. I never imagined I wuold need the coverage so soon. Somehow Finley broke his tibia and injured the growth plate in his leg. (We think it might have been from doing acrobatics off the furniture.) After several Vet visits we found out he had actually broken the bone rather than spraining his ACL. Embrace has pocessed the claim quickly and without hesitation. We also had Finley neutered and microchipped and received our reimbursment from his Wellness coverage in a timely manner as well. Needless to say getting the coverage has been a godsend. Thank you for everything...and Finley is back to being his gregarious self!
5

out of 5

POSTED: | BY: Regina

Glad I did it!

My husband and I have 2 Basset Hounds. We just got married and bought a house. Money is very tight! I wanted to get pet insurance for a long time but put it off because I didn't think I thad the extra money. I did my research and knew when I did finally get them enrolled I wanted Embrace; because it got the best reviews. This past June I enrolled both of the dogs and it wasn't as expensive as I thought it was going to be. They both have full coverage and I don't have to worry about something happening to them and not being able to afford it. I like how prompt the representatives are, the fact that everything is email and I don't have to worry about calling them back and they are always very nice. I'm so glad and relieved I made the decision to enroll them!!!
5

out of 5

POSTED: | BY: G. Cooperman

Rapid acknowledgement of claim followed by quck re

This is the first time I have had pet insurance and I couldn't be more pleased with the services received for both of my dogs. Each time I've needed to file a claim, Embrace quickly informed me, via e-mail, of receipt of the claim and gave me an estimate of when to expect reimbursement. The two times I've made a claim, the check arrived either within that time frame or earlier. In addition, communication with office staff has always been easy and pleasant. I would not hesitate to recommend Embrace and in fact, have recently recommended them to my Vet who said she would put literature for Embrace in her office.

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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