Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,062

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,062

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.
3

out of 5

POSTED: | BY: Patricia Boyd

Very Slow claim payments.

I felt there was very little explanation as to why something like hookworm was considered a pre-existing condition, and having a 12 month waiting period attached to that seems excessive. I have been waiting several weeks and not one reimbursement for my claims has been received.
5

out of 5

POSTED: | BY: Kathi

Fantastic customer service

Embrace provides very quick service and wonderful detailed updates on your claims. It is very refreshing to not have to make phone calls to find out what is going on.
5

out of 5

POSTED: | BY: Carol Stultz

Great Service.

My 10 month old Newfoundland Puppy had to have surgery on both front elbows. Embrace Pet Insurance was a great help in getting the bill paid. Thank you Embrace
5

out of 5

POSTED: | BY: Elizabeth

Fabulous Pet Insurance

With Embrace submitting a claim is easy. They email me when they receive it, when it's being processed and when it's been finalized. I love that they cover Wellness!!I've had other pet insurance but Embrace covers more and I get more reimbursed than other companies. I highly recommend Embrace.
5

out of 5

POSTED: | BY: Tracy G.

Labs will eat anything

Our chocolate lab got into some form of mold or mushroom spores and became ill. Knowing we have Embrace made paying the bill so much less stressful. We had our payment within two weeks. We are very pleased with the personal attention we get from Embrace and the speed with which we get reimbursed.
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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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