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: Jeanette Yep

Very Satisfied Customer

We purchased pet insurance for our rescue dog shortly after getting her. Thankfully, she's pretty healthy. But, for the few claims I've filed over the past 2 years, I've found the folks at Embrace to be responsive, informed and very helpful. The claims have been processed very quickly. I'm a very satisfied customer!
5

out of 5

POSTED: | BY: Naomi

1st Claim

Filed my 1st claim since having this insurance and it was as painless as an insurance claim could be. They were all so very helpful. And they are covering my dogs elbow displasia, which so many other companies I researched wouldn't have (a big portion of why I chose this company). I can't go through another ordeal like I did with our puppy a few years ago and it is so comforting to know we have Embrace now.
5

out of 5

POSTED: | BY: Steve L.

Embrace Is Very Straightforward

We have had insurance for our Boxer through embrace now for 3 years and they have been very straightforward and honest about what is and is not covered from the start. Sending in claims is simple and they get processed in a timely manner. No complaints and I would recommend Embrace to anyone else for their pet!
4

out of 5

POSTED: | BY: Kim Gardner

Our first Embrace insurance submittal

This was our first insurance sumbittal for our female doberman pincher. It was a good experiance and I am very glad that we have our dog insured. It was an emergancy surgery and it saved her life.
5

out of 5

POSTED: | BY: Tom Minor

Excellent customer service! 10/10

I have had to submit several claims for my dog in the last year and the customer service that I have experienced with this company has been excellent. They have processed and paid my claims quickly and the claims process is simple and easy. I have recommended Embrace to all my friends who have pets.
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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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