Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 15,721

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 15,721

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: Mark Taplar

Fast, Efficient and Accurate Processing

The claim for the office visit and treatment of my dog were handled very quickly and accurately. I added a wellness option and the check from Embrace was received one week after the claim was submitted. The illnes portion of the claim was also well catagorized for use against my deductible. The team at Embrace was very easy to reach and extremely helpful.This is the only pet insurance policy I have run across that has plans similar in structure to those written for humans.
5

out of 5

POSTED: | BY: Maria Rahman

Absolutely Wonderful and Honest Insurance Company.

I am very pleased with them. Embrace has been wonderful! Our puppy has had some problems and we are able to get him whatever health services he needs because of Embrace. I'll recomend Embrace to every pet owner. Getting Embrace was one of the best decisions I've ever made.
5

out of 5

POSTED: | BY: M.Brinegar

#1!

We signed up with Embrace in January after reading all the great reviews and couldn't be happier with them. They are so on top of it and always let me know the update of all of my claims without me even pestering them. Instead, they are always in constant communication with me! It's nice to work with an insurance company that genuinely has my best interest at heart (and my little dachshunds!) I would 100% recommend them to anyone (and have!). You will not be disappointed.
5

out of 5

POSTED: | BY: Karen L.

Dependable and quick!

Our dog sustained several deep puncture wounds after being attacked by another dog and required surgery and follow-up care. During his treatment the vet found a suspicious lump and we had it biopsied. (Negative, yay!) Embrace started paying our claims right away, processing them very quickly. We would be in a world of financial hurt if we didn't have the insurance. We switched to Embrace from another pet insurance company and are so glad we did!
5

out of 5

POSTED: | BY: Jeannie Murphy

Fantastic customer service !!!

We recently got our first dog ever (a black lab puppy) and researched about 5 pet insurance companies and found Embrace to be the best. Now that we have made a few claims we have found them to be very helpful. They are in constant contact by email, from confirming receipt of your claim to letting you know that it has been processed and then a follow-up to be sure that you received your payment. All of the Customer Service Representatives are very pleasant to deal with and very efficient. I would highly recommend getting Embrace pet 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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