Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,063

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,063

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: Michele Struble

Embracing Embrace

My recent claim submission to Embrace was met with an extremely quick turnaround time, no issues, and hopefully a check in and within another short period of time. I am grateful to have found such a professional and efficient insurance company for my Bear. From the policy renewals and other positive and helpful communications to the streamlined claim processing, I'm just glad I chose Embrace years ago.
4

out of 5

POSTED: | BY: Steve Fisher

Appreciate this coverage

We do K9 search and rescue. We're volunteers and bear all expenses for ourselves and our precious partners. Having this coverage has benefited us and allows us to use resources to defray other expenses. By covering the bills for Izzy's infection, Embrace is helping us help others. Thanks Embrace.
5

out of 5

POSTED: | BY: Lora Olson

YOU HAVE A CUSTOMER FOR LIFE!!!

My older dog is on her second knee surgery in 5 months. :O( Tough break for her, it just sucks and breaks my heart. But Embrace has been FREAKING AMAZING through all of this!!! She had her first surgery weeks after passing her Ortho Exam. Embrace didn't try to get out of paying for the claim, even though it was so close to the ortho waiver being done. What I got from Embrace was....COMPASSION! Wouldn't it be nice if our HUMAN insurance was this good???!!! And now we are on our second knee surgery this year. BOTH times I have been reimbursed before her follow up doctor visit. WHAT INSURANCE COMPANY DOES THAT IN THIS DAY AND AGE??? EMBRACE...that's who! I started with Embrace cause I have USAA insurance...this was one of the best decisions I have ever made for my two Drahthaar's!! THANK YOU EMBRACE...YOU HAVE A CUSTOMER FOR LIFE!!!!! My old girl is now retired from hunting. So, I'll be adding a third member to our dog pack/hunting family next year...you're getting that business to! YOU GUYS ROCK!! Thank you for making this process easier than you had to! I tell EVERY person I know about Embrace, every chance I get!!!
5

out of 5

POSTED: | BY: Judy Paolini

Excellent Pet Insurance!

We've had Embrace insurance for about 5 years and they never fail to amaze us with their efficiency and great customer service. We have 3 cats so have made several claims which are all paid promptly. We can't imaging owning pets without Embrace!
5

out of 5

POSTED: | BY: Nolini

They got my back - continually!

Have written about them before. They continue to support me and my baby dogfies! Love em!
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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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