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.
4

out of 5

POSTED: | BY: Maureen

happy with embrace

I have a new puppy King Charles spaniel,my sister in law suggested pet insurance,I looked into it and my vets office said embrace was the insurance their clients were happy with. The people are very friendly and informative when I call. The reimbursement checks are prompt. No complaints from me!
5

out of 5

POSTED: | BY: Bao Nguyen

Quick and hassle free!

I just recently took my Thai Ridgeback to get spayed and microchip. I emailed an Embrace representative and they reimbursed me with the spay and microchip discount the next day! I also made a Wellness claim for the spay and microchip as well and will be receiving a check within 10 days of filing my claim. So far so good!
5

out of 5

POSTED: | BY: Amy Busby

Happy as usual with Embrace Pet Insurance

I have been with Embrace for three years and they haven't dissapointed me yet. Every single claim I have sent in has been met with quick swift response. I own a Chocolate Lab and a American Bulldog mix and they are my children. I am so happy I have Embrace Insurance because I will go to the ends of the earth to keep my babies healthy and happy. Thank you Embrace!
4

out of 5

POSTED: | BY: Domani

Great Service

The service is great once you get through all the protocol that's not clear in the beginning when you sign up with new pup thats never been to a Vet beyond shots. I'd never taken a pet for any illness care but I have learned quickly. Their people are friendly and once they communicate internally with each other claims run smoothly. I would recommend the insurance to others. Thanks Embrace!
5

out of 5

POSTED: | BY: Erin O'Malley

So far so great!

I have not yet filed my claims for the vet and specialist visit I had yesterday when my Newfie/Border Collie was beset with acute cervical pain. However, I have been extremely impressed with the level of customer service thus far. The specialist recommended an MRI - between $1500-2k - for which Embrace reported required a pre-cert. Unfortunately they also said I would hear within 5 business days. That seemed a little long to me in light of what was, and is, in my mind a medical emergency. However, the rep took the time to inform me of what steps could speed up the process and everyone I spoke with on the phone was very kind and sympathetic. I received e-mail notifications when my paperwork was received and the pre-cert was expedited and returned to me with an authorizion within 24 hours!!! I am thrilled to have found an insurance that targets the conditions I am most concerned about in my large breed dog and have recommended Embrace to all of my pet-owning friends.
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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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