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: Mary

Embrace-Extraordinary

Okay, I'm the traditional skeptic but when two collie puppies joined our household last year I decided to purchase pet insurance. The first year policy ended on July 21 and one of the dogs was injured on July 22. Luckily, the policy was on automatic renewal. The outcome? *Amazing customer service *Claim forms with pet information and insurance ID info already filled in and down-loadable as pdf files. *Exceptional turn-around time. -7/30 faxed both dogs medical hx and vet notes -7/4 EOB completed(wellness benefits reviewed, too!) -7/5 phone in direct deposit info -7/7 claims completely paid and money in bank! *$857 vet bill covered as stated at 10% copay less $100 annual deductible *annual wellness plan benefit pd full amt per dog The customer service was phenomenal that included rapid email communication and courteous HUMAN telephone assistance.
5

out of 5

POSTED: | BY: C. Jackson

Very Happy So Far

I have never had pet insurance, so when I got my new purebred puppy, I researched and compared all the pet insurance policies I could find. I chose Embrace after narrowing it down to two. Embrace won out from all the great reviews and the personal emails and nice people on the telephone. Really Embrace offers more than the others and customer service is unparalleled.
5

out of 5

POSTED: | BY: Maryann R

Pleasantly Pleased....

This is my first claim with Embrace and very pleased with not only results/return of the claim but the ease of filing and communication. I've been at another insurance on a past dog (since passed away) in which commmunication was horrible and one never knew if the claim was received or progress of it....they kept this up without any prompting from the customer. I hope any future claims will be just as easy.
5

out of 5

POSTED: | BY: Hilda Chacon

Great experience so far!

I've never had a pet, therefore I had no need for pet insurance and honestly, I was a bit sceptical about how it would work so I'd thought I would purchase it for my first kitten "Banana". Online process was smooth and user friendly. My 1st claim was for my kittens 1st vaccines & Exam, I faxed the claim to Embrace on Monday morning after Bananas 1st vet visit and I had an email from them Thursday stating how much my reimbursement would beand that I should receive my reimbursement within 2 day. I highly suggest that when you first purchase your pet(s) plan, that you call them atyour earliest convenience to give them your bank account info for quicker reimbursement. My experiencehas been pleasant so far and after reading over so many pet insurance companies and Embrace had good ratings and so far have prooved it. Thanks Embrace!
5

out of 5

POSTED: | BY: Evan

Impressive

I'm new to Embrace. I have a 3 year old Husky with no health problems. I had health insurance through another company and decided to switch to Embrace because of their wellness plan. I took my dog to the vet on Saturday and my vet faxed over everything to Embrace. Today I got an email saying my reimbursement has been deposited. I already recommended Embrace to my co-worker. I can't believe how quickly and easily everything worked out. I talked to the Customer Service rep a few times before signing up online, and each time they were extremly nice and helpful! SO FAR SO GOOD!

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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