Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,042

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,042

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: Linda Fontan

Great service for wellness & illness claims!

Thanks to Embrace for providing quick and accurate claim services for my two dogs' wellness and illness claims this year. This is my first pet insurance experience and I am very glad that I researched what is covered and the out of pocket costs and found Embrace. I will be a customer for as long as I have my dogs.
5

out of 5

POSTED: | BY: Andrea

Reliable Service

I always have fast service & no complaints with Embrace!The peace of mind they provide me is worth every penny!
5

out of 5

POSTED: | BY: Nancy Luongo

Great Service Great Claim Service

We have 2 English Bulldogs.I was looking for accident and comprehensive coverage if the dogs became ill. Abby suddenly started vomiting daily.We were going to the vet for x-rays blood work medication and then to a animal hospital for an ultrasound.I took the claim form to each appointment the vet filled out the form and they faxed it immediately. I had response from Embrace within 24 hrs and claims reviewed within 48hrs and paid in a quick timely manner!!Great service and coverage!Thank goodness for the insurance and Abby is fine now!I am glad I purchased the insurance for them and that I went with Embrace!
5

out of 5

POSTED: | BY: Cheryl Dumelow

absolutely wonderful

OUR 7 MONTH OLD LABRADOR was having trouble walking and was diagnosed with OCD (osteochondrosis dessicans). Our vet suggested surgery at the MS State veterinary school...which we may not have been able to consider due to the expense if we had not had Embrace insurance. She had the surgery 2 weeks ago. We filed the claim and it was paid within a few days. Amazing, because I file health insurance claims for a psychotherapist and they can take 90 days or more to pay!!!Thank you, Embrace, for our puppy being able to return to being a normal active puppy.
5

out of 5

POSTED: | BY: Laura Welch

Better than my own insurance!

Embrace again came through our second claim in three years. Just a fantastic company, and coverage is always understandable and exactly as expected. We recommend them to everyone!
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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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