Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,931

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,931

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: Kathy

Surgery for Removal of foreign body

My dog had eaten non food items (probably due to an irritable bowel condition) that were stuck in her stomach. She had to have them surgically removed. I am grateful to Embrace for its coverage which saved her life. During the surgery a small mast cell tumor was found that was also removed. Embrace has aleays covered all the claim amounts as I expected, no surprises, and I have always been reimbursed promptly. I am a satisfied customer.
4

out of 5

POSTED: | BY: Kathleen

Overall, a good experience.

My puppy has been having a lot of GI problems recently. Embrace has covered most of them, which I am grateful for! The only negative thing I have to say is I had to appeal most of those claims as they came back rejected the first time. Most of the claims were eventually covered, but I did not like that I had to appeal so many of them when they came back as covered no more than a couple days later. Otherwise, I've had an overall great experience with embrace and would recommend them to anyone I know with a pet.
5

out of 5

POSTED: | BY: Kristi &

fast and easy refunds!

Embrace is a great company. This is my second year with them and my Ella was injuried while she was protecting our house from an intruding animal. Without her bravery I would have lost my cat too. She had 2 emergency surgeries to repair her face and thankfully did not lose sight in her eye. Embrace paid her claim within days of submission. Her $1,000 vet bill only cost us about 500 after our deductible. Glad to report Ella is back to her amazing self. And with the wellness rewards her annual visits and preventative flea, tick, and heart worm medications are refundable up too our max of $400 a year. It's a great help to save your pets life.
5

out of 5

POSTED: | BY: Hanna

One of the BEST things I ever did for my dog!!🐾🐾

I am so grateful that I bought embrace pet insurance, it's one of the best things I ever did for my dear dogs well being. The first couple years it almost seemed silly and was joked about by friends and family. Now, that my pup is getting older , like us, life just happens! When he has had something it's the best feeling knowing I have embrace pet insurance there in our side.....no one jokes now, they actually ask where I found out about it! Thank you Georgetown vet,who told me about it!
5

out of 5

POSTED: | BY: Judy Genetti

Embrace rocks!

My dog was diagnosed with bone cancer in July. I took him to the WSU Vet Hospital to be evaluated. After much testing, scans, radiation, & chemo - I had a $2200 bill. We didn't get a pre authorization because we had to treat him right away & the hospital didn't really know what the cost would be until he was actually there. I was just notified today they covered the entire bill. I have to pay 20% is all. I am so happy. He is going to need more treatment & I am so appreciative they are covering his care. I would recommend Embrace to anyone with a pet. They are great!!

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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