Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,845

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,845

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.
4

out of 5

POSTED: | BY: Candy Pantano

AFTER an initial glitch,excellent support

Customer support was excellent aften an initial glitch with the rep who first spoke to me about the trial period vs new contract dates. After I sent in my claims, I very quickly received email responses. You can also follow your claim status online on their website.
5

out of 5

POSTED: | BY: Carl Herbert

Caring Customer Service

Embrace has been there during Poppy's puppyhood. They exhibit a caring attitude toward both the client and the pet. Securing insurance from Embrace was the smartest pet decision we have ever made. Fantastic!
5

out of 5

POSTED: | BY: Heidi N.

Very happy with quick turnaround on my claims

I, unfortunately, have a dog that has had some health problems the last 12 months. I have submitted about a dozen claims in that time and all of them have been handled professionally and quickly. I believe the claim review process at Embrace is very fair and, more importantly, transparent to me as a policyholder. I can see now why Embrace was so highly rated when I was looking for pet insurance policies two years ago.
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.

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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