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: Cheryl Del

Prompt & Easy to Use

I enrolled my dog in Embrace Insurnace 6 months ago. Fortunately I did not need it until 3 weeks ago. She ate 14 pieces of sugarless gum containing the toxin Xylitol. She was treated successfully and the claim was processed immediately. I was pleased with the fast and fair handling of my claim. I would recommend Embrace to others.
5

out of 5

POSTED: | BY: Jodi Petrignani

MUCH better than VPI

I recently switched to Embrace from VPI this summer. I sent a claim through, hoping that it would be handled better than my prior service with VPI. With VPI, I felt like I was looking through paperwork to see how everything was covered under the insurance. Embrace itemizes everything for you, and shows you what is, and what is not covered. The medicine, doctor re-check exams, and hospitalization was ALL covered. I will definitely say that EMbrace is the poilcy that I know I can trust.THANKS EMBRACE!
5

out of 5

POSTED: | BY: Taro Arai

So far so good

Just went through the precertification process for my dog's upcoming bilateral patellar subluxation surgery and I must say that it has been a pleasant and simple process. The people I have been coresponding with have been friendly, kind, compassionate and prompt. If the entire process works out the same I will be truly impressed. As a physician accustomed to dealing with people insurance I can say they could learn alot from the way Embrace deals with their clients. So far would recommend them without reservation!!
5

out of 5

POSTED: | BY: Amber, Michigan

Buy it! Buy it! Buy it!

We have only had Embrace insurance for 5 months and we CANNOT be happier with our purchase. It has been the best investment my husband and I have made. THere are no "catches," no reasons they find for not approving when the policy seems to state it should, and the turn around time is quick on claims (especially after your first one). Also.. we picked this insurance because, after MUCH homework, we found they are one of the ONLY insurances to cover "genetic diseases" such as dysplasia. For other companies that do cover this diseases, almost all of them will only cover "one side" of the body. A dog is almost never dysplastic on just one hip, or one elbow. And sure enough... our only 14 month old high-spirited and extremely handsome yellow lab has elbow dysplasia. He is having surgery in just a few days, on both elbows at a cost of $3,000. Our total price? $300. THANK YOU EMBRACE!!!!
5

out of 5

POSTED: | BY: Wendy H

What an Insurance Company Should Be

After a horrible experience with VPI, I signed up with Embrace after seeing all the positive reviews on this site. After 3 months my pet had to be hospitalized for seizures. I was a little nervous since I had just signed my dog up for coverage, but the Embrace team was wonderful and so caring. They kept in constant communication with me and processed my claim within the 15 days promised. Even after the check was received they emailed me to follow up on how my dog was doing. Great company and should be the blueprint for other insurance companies.

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.

Get a quote today

Leave a review