Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,775

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

Thankful we have insurance

For the third time in five years we have had to file a claim with Embrace. We are thankful we have insurance for our eight year old Boxer and grateful for the ease of filing a claim and amount we received.
5

out of 5

POSTED: | BY: Reba Prokopich

Embrace was amazing during a chaotic time.

When I took my new puppy to his first Vet visit, May 2022, Embrace was one of three insurance companies my vet recommended. After going home and visiting websites and reading the brochures I decided Embrace would work best for us. Best decision ever! Fast forward to September 2023 and Baxter began having some issues with lethargy, appetite, and leg weakness a visit to my vet and several test later we were referred to a vet specialist who then diagnosed him with Atypical Addison’s. A week later Baxter was back at the vet in full Addison’s crisis and another trip to the vet specialist. I had just gotten around to submitting a claim to Embrace for the first two visits and now would be submitting two more. This has all been chaotic and emotional and through it all the last thing I needed was problems with the insurance. Let me tell you the staff at Embrace are wonderful. They are quick to let you know the claim was received and being processed and then when it’s processed they let you know right away how much is covered and then like magic the refund appears in your bank account. Our last visit was on a Monday and I filed the claim by phone on Tuesday. My refund hit my bank on Thursday of the same week. It’s so nice to be able to file a claim so easily and then have the entire transaction finished within a week so you no longer have to worry about it.
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3

out of 5

POSTED: | BY: Customer

Didn’t know only an $8k limit on claims.

Didn’t know only an $8k limit on claims.
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5

out of 5

POSTED: | BY: Brenda Smith

So grateful

I couldn't be happier about my experience with Embrace. When my dog had a major injury and required surgery, they quickly pre-certified the procedure, and once I received and sent the final bill, they reimbursed me within 2 weeks. Each person I communicated with, either by phone, email or via the portal, was professional, helpful and lovely. Like all insurance, you wish you didn't have to use it. I'm so grateful I had Embrace when I needed it most.
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2

out of 5

POSTED: | BY: N/A

Your App is very slow

Your App is very slow, and faulty. I haven’t been able to use the Face ID in over a year.
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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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