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.
5

out of 5

POSTED: | BY: Aysha Arshad

Excellent service

We are extremely pleased with Embrace and the level of responsiveness to the claims submitted for our two kittens. The easy internet based claim submission and e-mail updates are superb features.
5

out of 5

POSTED: | BY: Joanna Kosloff

Surprised and relieved

I have been very happy with Embrace. Often you don't expect that a new puppy will need vet care, but sometimes, as in my case, a diagnosis requires extensive testing which would have been unaffordable without insurance. So, I am both happy and relieved to have found Embrace, which I did not know about before my vet suggested it. This first puppy year w/ Embrace has been refreshingly surprising. The adjustments are exactly as promised and very quickly concluded. On the basis of my first year with them, I heartily recommend them over other companies I have used. The premiums are fair and the service is excellent and the team very helpful.
5

out of 5

POSTED: | BY: John D'Ercole

reviewed the claim and it was honored

This was a claim that had to be reviewed. It took some time but they honored the claim. We were very pleased how they handled the situation.
5

out of 5

POSTED: | BY: Sarah

Peace of Mind for my Pups!

At the beginning of the year my husband and I decided to obtain pet insurance for our two Yorkies. I bank through USAA and they recommended Embrace and we could not be happier with the service. My yorkie suffered from acute pancreatitis this past month and was extremely sick for about week; requiring hospitalization at a Pet ER. It was stressful enough worrying if he would fully recover from his illness and knowing that he had Embrace made it easier on the family! The reimbursement turn around was extremely speedy and customer service was very supportive the entire experience. The most important thing is that Bruno did make a full recovery, but the experience could have been so much worse without the help of Embrace!
5

out of 5

POSTED: | BY: Alisa

Excellent pet insurance!

I learned about Embrace pet insurance at the HSUS Expo 2015. I was offered a two month trial and although I was skeptical, I took it. Towards the end of the trial a visit to the vet revealed my cat, Bindi, was in chronic renal failure. It came on very suddenly and was a huge shock. After conducting Bindi's health record review Embrace covered everything ordered by the vet. Dealing with CRF is very stressful, but knowing Embrace is there to help with the financial strain makes it a little easier. Everyone at Embrace is very nice, helpful and patient.

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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