Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,062

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,062

Updated: April 16, 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: Jan Atienza

a real embrace

during a stressful episode in my pooch's life, embrace turned out to be a delight & useful support....a real embrace
4

out of 5

POSTED: | BY: Angela Tillman

I always get the answers I need

I always get the answers I need. Whatever is going on embrace customer service has been kind and very helpful.
5

out of 5

POSTED: | BY: Crystal Bittner

All my experiences either in the form…

All my experiences either in the form of phone calls, claims or emails have been great experiences. Because of JJ’s insurance we were able to get her radiation and got another wonderful year with her that we are so very grateful for. There were no questions no arguments or trying to get out of paying for it on your end. It made it much more feasible for us and we were not ready nor was she to say goodbye. Since then we have had to say goodbye but her insurance even in this helped cover the at home euthanasia we chose in order to make her transition less stressful for all of us and more personal and in reality a little less tragic. I couldn’t imagine the drive to the vet the cold sterile room that didn’t smell like home to her, the drive home without her in our arms. Anyway, thank for always being there for us. We have adopted a new puppy since and have entrusted her future care with your insurance company as well. I just couldn’t see going anywhere else or trusting anyone to make difficult financial decisions easier for her health. We would find a way no matter what. But this makes anything she might need in the future a no brainer. Thank you so much for your past and future support. They are our fur babies and I just want them to have the best healthiest lives possible and your company certainly plays a major role in that. Thank you again, Kyle, Crystal, JJ and Rowen
5

out of 5

POSTED: | BY: Pat Duncan

Claim Review and Reimbursement

Always gives great explanations of coverage and prompt reimbursement of claims.
5

out of 5

POSTED: | BY: Ann Brown

I had to have an agent help me to…

I had to have an agent help me to complete the claim she is absolutely wonderful...never makes me feel like I am a pest helps and I wish I could send her a Thank you gift card but have no idea how to her name is Heather Russo the best person at Embrace...thank you heather.

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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