Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,832

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,832

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: Patton

Great Insurance

I am so happy we have Embrace, they have always reimbursed all our claims fast and without problems. We have recommended Embrace to many of our family members and friends and they have had very positive experiences and thanked us afterwards about telling them about pet insurance.
5

out of 5

POSTED: | BY: Linda Pezzicara

GREAT PET INSURANCE COMPANY!

The Embrace Representative on the phone, Joshua, was very helpful and considerate. I worked with him while I was online on their website, because I wanted to get the insurance that day and have it go into effect immediately..also bought the Well Care..which is what was immediate..I was very happy with the service, and afterwards, ny 1st Well claim went exactly as they said..check received within a week of submission!
5

out of 5

POSTED: | BY: Pat Gale

Great Service

My last 2 claims were reviewed and processed in 1 day and 5 4 days respectively. i can't thank you enough for handling thses claims in such a timely fashion. Your service is outstanding. I am so glad I chose Embrace.
5

out of 5

POSTED: | BY: Caressa G

Speedy Reimbursement & Great Wellness Plan

This was my first claim and my first experience with Embrace. Excellent communication through the process, and extremely speedy processing of the claim. The claim was processed and completed the day after I submitted & sent to my bank via direct deposit. The wellness plan is excellent, and the direct deposit option helps speed things up. Thank you!
5

out of 5

POSTED: | BY: Peg

Pleasantly surprised with

I admit to being skeptical, but I have been pleasantly surprised with Embrace. No 'hidden' costs, prompt service both in email and on the 'phone. Pretty easy to understand. I would suggest a few more details on the claim forms - maybe on back side have examples of what Embrace expects Veterinarians to write on form. Also a reminder that on your first visit after signing up - to BRING the orthopedic waiver for vet to fill out - to save on a second trip.... Still overall, I am pleased.
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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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