Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,850

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,850

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 Trybus

EMBRACE: the best dog insurance company

I have been with EMBRACE now for 5 years with two dogs, and have not been disappointed once. Claims are handled expeditiously, and there are no surprises. My last claim was a whopper. My black lab has elbow dysplasia and needed a canine unicompartmental elbow (CUE). The bill was slightly over $5000 and per my policy, 80% was covered. I regret having to make a claim as this is a serious operation for my dog.Thanks to EMBRACE, in 6 months I should have my hiking companion back.
5

out of 5

POSTED: | BY: Kaci

Outstanding service and coverage

One of the best investments I've made for my dog! Super affordable and the employees are very personable and fast :)
1

out of 5

POSTED: | BY: sebra jones

ripoff

poor service. incorrect diagnosis to advoid reimbursement on claim filed
5

out of 5

POSTED: | BY: Donna Pimental

Awesomeness

First pet insurance claim I've ever filed and it seems to be handled smoothly and efficiently, even with the little hiccup on my part, the error was quickly found and simply explained and taken care of in seemingly one fell swoop. And in such a positive tone. I wish everything in my life ran so smoothly!You guys are great. Terrific company, terrific people. You set the bar high for customer service. All service companies should model after you.
5

out of 5

POSTED: | BY: Sylvia

Great insurance company

Embrace is great. Filing is very easy with a pre-filled form the vet submits. They send me emails with updates on the status of my claims and send me the check promptly. It is very comforting to know exactly what my dog's medical expenses will be for the 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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