Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,065

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,065

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: Keith Sullivan

Re: Embrace saves the day

We've had Zola Bear for nine months now and a few weeks ago she was diagnosed with a mass on her front paw that needed to be removed. Zola's well being is of the utmost important to us and we planned to go through with the procedure regardless of whether it was covered under her insurance. Embrace was there every step of the way and made the financial impact less of a burden. Much to my surprise Embrace lived up to their end of the agreement and we were only responsible for the $200 deductible and 20% of the bill. The bill was $1,131.50. Embrace sent me a check in the amount of $725.12. I'm still in shock over the payment we received from Embrace.
5

out of 5

POSTED: | BY: Sandra Hecker

I am SO impressed and relieved

I just adopted my greyhound in March, and a friend suggested I get Embrace insurance, because he'd had great experiences with it. So I did. Later, my dog ate a PetShoppe brand "durable" (ha ha!) toy's tail and squeaker in less than 2 minutes I was away to get a yogurt from the fridge and return. Weeks later the squeaker had apparently lodged in her intestine, was causing problems and had to be removed costing more than $4000--Embrace staff were so helpful and responsive at every step of the way, AND a vet at the emergency clinic says he thinks Embrace is the best pet insurance--reasonable and responsive.
5

out of 5

POSTED: | BY: PERRY HUNT

PET WELLNESS EXAM

EMBRACE was very FAST to resond to the claim form sent in very FAST return turn around time !!!!!! Thanks
5

out of 5

POSTED: | BY: Suzanne

An actual Pet Insurance that pays claims!

I have had different insurance companies for my pets and never have I had a claim paid. There has always been a loop hole in my policy that gave the insurance company the right not to pay. Leary about another company I gave it a shot and couldnt believe my first claim was paid WITHOUT a war to battle, most imporant TRUE customer service which many services are excluding. So far so good :)
5

out of 5

POSTED: | BY: Susan

Wellness Check up

Was very pleased in the quickness in processing my claim for my dog, Sammy. Thanks Embrace!!

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.

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