Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,832

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,832

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: Frank

Great service so far

I had my pet in for vaccinations and welfare check. I filed my claim by fax on 7/6/15 and the reimbursement was issued and in my checking account, via direct deposit, on 7/13/15.
5

out of 5

POSTED: | BY: Britt A

Excellent As Always

I am so happy we enrolled our puppy with Embrace - they are fast, efficient and always quick to respond to any questions we have. Thanks so much!Q Britt
5

out of 5

POSTED: | BY: Beatrice

Excellent!

After years of spending literally 10's of thousands of dollars on my fur babies, I finally smartened up and got insurance on my dogs as soon as I adopted them. After my "good dog" got sick and I discovered he had eaten many plastic bags, I finally put this insurance to the test. My dog had to have a barium study and an endoscopy to retrieve another bag still in his stomach! I will say I am quite please. After my deductible, all I had to pay was 20% of the bill. This amounted to almost $1500 of a $1900 bill! I highly recommend this insurance to anyone who wants to be able to provide veterinary care to their sick or injured pet.
5

out of 5

POSTED: | BY: Austin Acocella

Embrace is a Great Comfort to My Family

I was very concerned when our an obstruction was discovered in the intestines of our 10-month-old Cairn Terrier. Of course I was concerned about the health of the puppy we love, but I was also concerned about the costs associated with his medical care--especially because we had only recently taken out our pet insurance policy with Embrace. Turns out I didn't need to be concerned. Our pup is fully recovered and Embrace promptly covered most of the expenses. Because I am retired and living on a fixed income, it's very comforting to know that Embrace has my back when it comes to the care our our pet.
5

out of 5

POSTED: | BY: Cheryl lehman

Embrace is great pet insurance

I have 3 dog and I have used Embrace pet insurance several times and have been very pleased at how fast they take care of claims, and how easy it is to file a claim. So far they have paid very well. I have had other insurance and they were not worth anything.
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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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