Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,867

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,867

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: Paige Kaminski

Very happy

After my heart dog Daisy was diagnosed with lymphoma in February 2013 we decided to insure our 2 border collies Bolt and Dash. I did a lot of research and settled with Embrace. Unfortunately we lost Daisy after just 2 months of trying to fight the lymphoma with chemo as she has a very aggressive form and we are just heartbroken. Naturally we are worried about our other dogs. Bolt was due for his well visit and I took him in the week after Daisy died. We ran a complete wellness exam on him as well as complete baseline bloodwork which shows he is a perfectly healthy 3 year old border collie. I just got the email today from the Embrace claims department that I will be reimbursed 100% for that visit. This puts my mind at ease to know that someone else cares about the health of my dogs. I still have one more dog to insure and plan to be adding her to the plan soon.
3

out of 5

POSTED: | BY: Tracee

Took awhile

My dog had a broken toenail which happened while I was away. I submitted my claim march 30,2013 for a 17.00 fee from the vet to remove the dangling toenail. It was a simple injury claim. It took until may 13,2013 for embrace to say it was covered. Seemed a little long to me.
5

out of 5

POSTED: | BY: James mills

Wonderful staff and quick payments very happy!

I have had othe pet insurance companies in the past , embrace is by far the best , no red tape fast pay,nets , constant contact while yur claim is being processed . And the best part very friendly staff ! My partner and I could not be happier knowing they have our french bulldog , Anna-Bella coverd with no hassle insurance !
5

out of 5

POSTED: | BY: Nancy

An extremely efficient organization.

I recently had my 18 month old Hananese neutered. I was particularly impressed with the speed in which my claim was handled along with the follow-up emails from the Embrace staff checking on my pups health after his surgery and keeping me up to date with the progress of my claim.
2

out of 5

POSTED: | BY: Phyllis Marsman

Not worth the money.

I have submitted two claims and I was not reimbursed any on the first claim and considered cancelling my policy. Now I have submitted a second claim for around $300 and got $26.80 back. I am looking into other companies.

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.

Get a quote today

Leave a review