Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,063

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,063

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: Tuckers Mom

Thrilled Again

All I can say -- if you want a dependable, honest, reliable insurance provider for your beloved pet you will be THRILLED to have Embrace for your furry friend! Embrace has been with us every step of the way for a boy who is challenged with bilateral hip dysplasia. They have outstanding customer service, prompt and easy claim processing along with NO GIMMICK reimbursements.
1

out of 5

POSTED: | BY: Carol

lies lies lies

we have a golden doodle who is 8 yrs old. she has been in excellent health and we have a new great dane puppy coming home in a week. took lola (golden doodle) to the vet for her annual checkup and everything was great. decided we would get insurance for her. signed up with embrace, was asked to have vet complete the orthopedic form and that way she would be covered 30 days later for anything ortho. done. we got the insurance the day after her exam thinking that way they would know she was in good health, this was 3 weeks ago. called today to add the new puppy and found out that now they wont cover any orthopedic for lola for 6 months since we had the checkup done the "day before" we signed up for insurance. she has NEVER and i repeat NEVER had any ortho or medical problems at all. was told that if it was 2 days before things would be fine... huh??asked more questions.. people apparently didnt know what they were talking about with any other conditions and getting confirmation if they would even cover an ear infection etc. they offered NOTHING. so i cancelled the policy. i certainly didnt get any good vibes from them. i suggest you ask TONS of "what if" questions before signing.
5

out of 5

POSTED: | BY: Kristin

Absolutely Amazing

My pup Lucy started out with vomiting and other nasty things. It graduated to her being lethargic and not eating. On our third trip to the vet, Lucy had a fever of 105.3 and her liver numbers were ridiculously high. She was hospitalized immediately and remained there for four days. She's getting better but her liver numbers are still elevated. We are still seeing the vet on a frequent basis for monitoring. Working with Embrace has been SO easy. The claims can be submitted electronically and, so far, all communication has been via e-mail, which I like. Of course I could call in if I preferred to communicate that way. I used another insurance company for one year and then moved to Embrace and I am SO happy I made the move. Embrace is great!
5

out of 5

POSTED: | BY: Judy Clarke

Great communication!

I have had an Embrace policy for my Lab, Tyson, since we brought him home 3 years ago. I have found the customer service to be terrific and easy to follow.
5

out of 5

POSTED: | BY: Rise DelmarOchsner

Professional ,sympathetic prompt in payment

I was overwhelmed emotionally and financially by my dogs sudden catastrophic illness. Embrace answered the phone, all questions and put no impediments in his immediate treatment. They have paid exactly what they are supposed to pay and by direct deposit making it all seem much easier. I am impressed and thrilled with this company.

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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