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: Beverly Post

Really good company

Embrace is very responsive. They get back to you quickly on your claim...you can email or call them and they quickly respond. They walk their talk, pay all valid claims and are a really good company.
5

out of 5

POSTED: | BY: Rochelle Reiss

My pets have been "Embraced"

I have written before about the wonderful service from Embrace. We have two Rottweilers and the younger will now, possibly be faced with elbow surgery. First we will have our evaluation from the Orthopedic Surgeon and then will follow through on the decisions. That is traumatic enough, but I have every confidence that Embrace will stand by us, as they always have. There is no other pet insurance company like Embrace. Why every pet own does not know that is beyond me. I tell every pet owner I meet about Embrace and got the Vet's office to promote Embrace literature. Rochelle Reiss
5

out of 5

POSTED: | BY: E Sarosi

I wish Embrace covered humans!

We were really careful in researching and choosing insurance for our english bulldog, and are very glad we chose embrace. They have covered breed specific issues. They have been easy to use, prompt with refunds and helpful on the phone. One of the best customer service experiences i've ever had! no joke!! from an insurance company?!?! I am always amazed at how quickly they come back to me with information re claims and certification without my even asking!
5

out of 5

POSTED: | BY: Kate Forester

Superior Pet Insurance

From the first interaction with Embrace, the firm has been responsive, helpful and kind. I have had several claims (wellness and illness) and general inquiries and each employee I have spoken with has been knowlegeable and caring. I wish my health insurance company were more like Embrace. The company really sets the standard!
5

out of 5

POSTED: | BY: Robin Reynolds

Responsive and caring!

These guys are caring, empathetic, responsive and very customer oriented! I was just sharing with my vet's office today how grateful we are that we have Embrace as our pet insurer. They respond to claims quickly, gave me a pre-certification approval within 3 days of receiving it, and their policy coverage is easy to read and understand. I can't imagine being a pet parent without Embrace. Carrie Harviel in particular, has been an exceptional representative of Embrace Insurance!
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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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