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: Deana Rogers

Puppy, with limp

Embrace has been amazing! We have a new puppy and have gone through a ton of test to find out why our doodle is limping. It was very stressful, and we had doctors scratching their head. He was only barely 1 year old when this started happening. Sending in claims, and receipts has been easy, the website is easy to use, the customer service at Embrace is great! We have gotten all of our requests approved in a timely manner! We will recommend to everyone Embrace Pet Insurance is the way to go! Thank you Embrace for making a stressful time easier!!
5

out of 5

POSTED: | BY: Jenny

Claim Process

The claim process was quick and was dealt with in a professional manner. I switched over insurances to Embrace and am glad I did!
5

out of 5

POSTED: | BY: GREGORY ABRAM

GREAT SUPPORT AND COMMUNICATION

Embrace has helped us recover a part of the finances spent due to a tragic event in our lives. Still waiting on a response regarding claims, otherwise communication has been good via email. Thus far we are happy with Embrace and would recommend them to friends.
5

out of 5

POSTED: | BY: William Fahey

Warm and comforting

Smudge had a complete oral health assessment and had to have 8 loose teeth extracted. We were very pleased at how quickly we heard from the Embrace claims department and how quickly it was resolved.
5

out of 5

POSTED: | BY: Patricia Downs

Easy process!

I am pleased with how easy it is to submit claims for Wellness (preventive care) and how quick and responsive the claims are handled. I was delighted to learn that immunization titers are covered. The Wellness feature alone provides a good return on investing in this pet insurance.
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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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