Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,336

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.
4

out of 5

POSTED: | BY: Maria Seguban Cruz

I am comfortable with Embrace

I am comfortable with Embrace. Less worry about $. Many thanks to Embrace. My dog had TLP surgery for both knee in 2020 and 2022. She is happy dog. She was no longer crying.
5

out of 5

POSTED: | BY: Julie Farman

Embrace actually cares about my dog!

I love Embrace for so many reasons. Primarily it's the coverage - they have covered almost every invoice I have submitted, and when they decline an expense, I understand why. There is always someone willing to explain and listen. But! There's also the Paw Desk, a 24-hour resource for anxiety-ridden pet parents who need immediate guidance on medical issues. The staffers have helped me so many times, and they have definitely helped my dog - he has escaped multiple trips to the Dog ER because I am a dogochondriac. He's only gone when it's necessary. Finally, I love Embrace because they sent a "get well" e-card after I submitted a series of invoices related to an eye injury. Nothing but praise!
1

out of 5

POSTED: | BY: Michelle MV

Terrible lag time to pay claims

Terrible lag time yo pay claims. I submitted my claim early this month, and they haven’t paid me anything. My vet bill was for my dogs skin allergies. I also had to wait on hold for 45 minutes!!!! Absurd, do NOT waste your money on this insurance.
5

out of 5

POSTED: | BY: Jackie Price

Absolutely one of the best companies I…

Absolutely one of the best companies I have worked with I recommend them all of the time. Very professional yet compassionate at the same time.
5

out of 5

POSTED: | BY: Jeff Launiere

Fantastic Peace Of Mind

We have had pets in the past where they had health problems that had cost us a lot of money, but since we love our pets we had the procedures done. We also had times where we had to really think is the cost worth treating the pet due to age or some other issue. Now with pet insurance we do not have to think about cost as an issue, just is the treatment the best thing for our dogs. It is a relief in making decisions. Embrace has been great in approvals when we have used it.

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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