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: Tom Minor

Excellent service and quick processing of our claim

The customer service provided by Embrace has been excellent. They have exceeded our expectations. The process was filing a claim for our dog's heartworm treatment was easy and the turn around time on processing the claim was very quick. I have been delighted with their response.
5

out of 5

POSTED: | BY: Brian Stuckelman

Unbelievable!!!!

When we first were looking for insurance for our puppy Newphy Roxy all we heard was - it does not make sense to get pet insurance. It is a waste of money, they do not cover anything or they do not pay. Well, that is not the case with Embrace. When Roxy had to be brought in for emergency surgery the bill was over $4,000. Not only did Embrace pay the actual cost (Minus deductable) of the procedure but we were re-reimbursed within 2 weeks of the procedure. I could not recommend Embrace enough!
5

out of 5

POSTED: | BY: Kim Harbin

I am so impressed with Embrace!!

I too had another pet insurance company for a few years and was totally dissatisfied with them. It wasn't until I started to research the different pet insurance companies that I realized they were one of the worst rated companies out there. I finally decided it was time for a change and I am so glad that I selected Embrace. I was so impressed with their rating and the comments/reviews that others had posted. On top of that they cover genetic disorders, which few others do. To say their customer service is EXCEPTIONAL is an understatement! I am a Bulldog breeder and as most people probably know they are prone to genetic disorders. I am pleased that I have not experienced any serious health issues with my dogs but it brings me such peace of mind knowing that if something does turn up it will be covered. I have only had Embrace for one month and I'm already a very satisfied customer. I took all of my dogs in for their orthopedic waiver exam and wellness check last Saturday. I emailed the forms to them on Monday and I have already received confirmation that they are covering 100% of the claims and that the money will be direct deposited into my account within the next two business days. It just doesn't get any better than that. I've always recommended pet insurance to people who buy pups from me but from now on I will HIGHLY recommend Embrace. A couple of the families are already in the process of changing from their current pet insurance to Embrace. My only regret is that it took me over two years of frustration with my other pet insurance company before I found Embrace!
5

out of 5

POSTED: | BY: Carolyn

Excellent Claim Reimbursement & Service

I purchased Embrace insurance about a year and a half ago for my Labrador puppy. He hasn't had anything major wrong with him (thank goodness), but I have used the insurance A LOT. As soon as you submit the claim you get an email acknowledging that it was received and a response back with your refund promptly within 15 days. I have been extremely happy with the refunds - this company pays out exactly what you deserve and what is stated in the contract. There is no haggling or having to question anything - everything is so straight forward. The customer service representatives are very knowledgeable, friendly and willing to help in any way they can. I really couldn't ask for anything more - Embrace has been simply excellent!
5

out of 5

POSTED: | BY: J.Mutchler

Very impressed...glad I made the decision...

I was incredibly impressed with the response of Embrace; fast, courteous, and effective. In researching the top pet insurance companies - I believe that Embrace is the best choice for me and my two pups...

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 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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