Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,997

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: Alex

Great peace of mind for your fur babies!

Every experience I’ve had with embrace has been a great one. I enjoy choosing how much coverage I can choose to fit our needs. We have two dogs insured through them. The policy itself is fair and well worth the peace of mind it entails. The coverage is excellent. We live in a semi rural area, so being able to chose the vet we need for emergency services is an absolute win for both dogs. Whether it be the primary care vet or an emergency vet, embrace has your back through both and whichever vet you choose. The initial medical records review process can be tedious, but well worth it. Highly recommend to anyone who needs a little extra peace of mind for your fur babies especially in a rural area. Love it. 10/10 recommend.
5

out of 5

POSTED: | BY: David Wilcox

Great customer empathy and service

Great customer empathy and service. They were understandably very thorough and required the proper invoices, but prompt once completed. Just hope my puppy doesn’t swallow another rock!
5

out of 5

POSTED: | BY: Jorden Leib

Embrace is great so far

Embrace is great so far. Easy to use submission. I like it. Would be even better if it was app based, I think.
5

out of 5

POSTED: | BY: Tammy G

A very good company

A very good company, super helpful during a very stressful time, quick to answer my questions and take care of our claims. Would definitely recommend Embrace for peace of mind for your pup.
4

out of 5

POSTED: | BY: Matt Gardner

I got off to a rough start with Embrace…

I got off to a rough start with Embrace when I put in a claim for my Dog “Koru” who was diagnosed with cancer in September. I was told that his condition was deemed pre-existing from a veterinary record they had back in January, and I immediately took to google and wrote a scathing review about how bad this company is. Once I’d calmed down and explored the options that Embrace offered me to appeal their decision, I had my Vet submit information stating that there’s no way Koru could’ve survived if the cancer had been there since January, and gone untreated. The decision was immediately overturned, and all claims were honoured promptly with auto pay directly to my account within a week of each submission. Unfortunately Koru lost his battle with cancer on 11/06/2023, but without the insurance I would’ve been out of pocket over $5000.00. Thank you for honouring your policy Embrace, and helping me get through this difficult time.

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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