Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,734

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,734

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: Arielle Perez

Embrace's quality gives me peace of mind!

My family got its first puppy last year and one of the first things we did was research for a quality insurance. There were many available, but Embrace caught our eye because of its flexible plan. This month, we put in a claim because our dog had an adverse allergic reaction to a vaccine, making ill enough to need medication. Embrace contacted us and gave simple instructions to follow, and it was prompt in delivery. I hope I never have to file a claim for anything more severe than that for the next couple of years, but if I do, I'll have peace of mind knowing that Embrace will work with our family for our dog's health and well-being.
5

out of 5

POSTED: | BY: Carol Lowe-Schappert

AWESOME !

After having VPI pet insurance for our two 12 & 14 lbs. chihuahuas, it only took one year for us to reseach other pet insurances before selecting Embrace. We could not be happier. While pre-existing is tricking coverage, Embrace does cover preexisting after first year and Embrace pays based on your bill not pre determined fee schedule. You can select your own plan, and Embrace pays so quickly. We just love Embrace and also love the new well care coverage.Our little girls are like our kids now that our 3 daughers are adults. Having this coverage means alot to our piece of mind having small dogs. Regards, Carol & Bob, and Maggie & Mango
5

out of 5

POSTED: | BY: George C.

Fantastic service!

Embrace is a terrific organization...the customer service folks are courteous and helpful, and the claims process is as easy as can be. They really helped me out when my poor pug Pixie got diagnosed with hip dysplasia...ended up getting over 50% of the money I spent on an office visit and x-rays (would've been more, but I had to meet the $200 deductible and 10% co-pay). Spent $670 on the office visit, got $345 back. Can't complain at all. I wouldn't hesitate to recommend Embrace!
5

out of 5

POSTED: | BY: Dr. Jay

Honoring their word

This is our first experience with pet insurance. It has been reliable and certainly worth the cost. I've been very pleased so far and as a healthcare provider who deals with disturbing health insurance behavior, this is a shining star.
5

out of 5

POSTED: | BY: Jo

Very thorough and rapid response.

Very timely response. Would recommend to others. Thank you.
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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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