Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,923

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,923

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: Michelle Connors

Fast Reimbursement

Last year we lost both of our dogs (10 and 15 years old). After dealing with VPI Pet insurance, which they both had all of their lives, I swore I would never insure another pet with them. When we got our new puppy in January, I searched for a better pet insurance company. I found Embrace and have been very happy with them. The reimbursement process is quick and simple. I love the direct deposit option. We are planning on getting another puppy and will definitely insure her with Embrace.
2

out of 5

POSTED: | BY: Rosemary

Glad that I found this.

I have had no problem collecting on my wellness claims. The only thing I wish is I had to do a special test on one of my dogs and they wouldn't cover it. Other then that I have no complaints about this company.
3

out of 5

POSTED: | BY: Gail Rolf

Good, but...

Reimbursement for services was prompt, as was communication. However, Embrace Pet Insurance was not satisfied with how the vet filled in the orthopedic exam, and now I am going back and forth with the vet and Embrace. I believe that in the end, insurance companies will do what they can to get out of paying a premium, and perhaps Embrace is no different then the rest of them. Time shall tell.
5

out of 5

POSTED: | BY: Jaime Ippolito

Great Service!

I have an English Bulldog and have had several illness visits. Embrace has been very helpful. After meeting my deductible (like many adult health plans are becoming) the reimbursement process is quick and easy and my check comes in the meal not even 2 weeks after the visit. I have not had ONE problem or any disappointment working with embrace! Would recommend to everyone!
5

out of 5

POSTED: | BY: Jenny

Great service

The embrace team is professional and quick to respond to email, phone, etc. I am pleased with the services they offer and I know my puppy is in good hands.
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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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