Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,957

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.2
  • 4.9
  • Count
  • 0
  • 17
  • 13,957

Updated: January 02, 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: Lindsay

Love Embrace

We are so pleased with this company and I recommend it to all of my pet-owning friends. The service is incredibly easy to use and I always receive a prompt reply. Our dog is only 3 and quite healthy, but we have still been so glad to have this insurance - we can rest easy knowing that we never have to stress about the financial side of his vet care. Most recently, our dog came down with a stomach infection, and our claim was approved (applied toward our deductible) very quickly!
5

out of 5

POSTED: | BY: Larry Reid

No problems with this Insuranc

So far our experience with Embrace Pet Insurance has been great. Our came down with Diabetis and was very ill. Had to be hospitalized over night and the next day. We have had 4 checks one for over $1,000. Our vet. office staff sends in the insurance claim. We even get email asking if we have recieved the latest payment. We are very pleased with the coverage and Rocco is recovering slowly but recovering. Rocco was also assaulted by another dog and needed treatment, Embrace Ins. came to the rescue. Thank you
5

out of 5

POSTED: | BY: Patti Seymour

Very satisfied

I have always had pets, but never had pet insurance until recently. We adopted 4 kittens 6 months ago and I thought with this many cats, something is bound to happen eventually that would need serious veterinarian attention. Two months after bringing the gang home, the little female, Phoebe, began to limp significantly. She had dislocated her knee. She healed up in about 1 months, then 2 months later dislocated the other knee. The vet said she has bad knees and would continue to dislocate them unless she had surgery to fix them. She had the surgery in January and is doing very well. The insurance process with Embrace was extremely simple. I completed the initial form and then had the vet's office submit all of the medical info. In just a few weeks the entire claim was processed and checks were mailed out. Embrace helped make a stressful (for both me and Phoebe) situation a little less stressful. Thank you.
5

out of 5

POSTED: | BY: Jean White

Glad I went with the recommendation to use Embrace

While volunteering with a rescue organization I witnessed first hand the hardship and heart ache an illness or injury can cause when expenses exceed resources for a beloved pet. I took the recommendation to use Embrace pet insurance and now as we face our Great Dane Jasmines TPLO surgery we are happy to say the experience is great and taking alot of stress off of us knowing Embrace is there for us and Jasmine!
5

out of 5

POSTED: | BY: Christie

Comprehensive coverage and quick reimbursements

We decided to get pet insurance when our dog was still a puppy, just to have as a safeguard, figuring we would never use it. Boy are we glad we made that decision because Embrace has come to the rescue with a no-hassle claim system, polite and knowledgeable customer service, and prompt reimbursements for our claims. When our dog got suddenly sick last year, we felt so grateful that we could take him to the emergency vet and not worry about cost, just about him getting the best treatment possible. Now our pup is fine and so are our checkbooks! I recommend Embrace to all of my friends that are considering pet insurance.

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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