Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,924

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,924

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: david murthy

Professional with a personal touch

Embrace is great so far. We have had it for about 2 years and they have really impressed us. I have contacted them multiple times on the phone and was surprised to talk to a real person each time; usually with no hold time. The employees seem to care and they listen to your concerns and issues. They are are very helpful in solving them with you. They are quick with their payments and there are really no surprises other than great service. I have already recommended them to multiple friends.
5

out of 5

POSTED: | BY: Michael Villa

claim review is quickk and efficient

Submitted first claim under wellness and I must say I am very pleased with the quick response.
5

out of 5

POSTED: | BY: Cherie

Very happy with my dog's Embrace policy

My lab-x tore his ACL this past summer and had TPLO surgery. After surgery, he had some complications that sent us back to the vet several times and to the ER once. All claims were paid quickly and exactly as stated in the policy. Embrace reps are helpful and quick to answer any questions I have. I recommend Embrace to all of my friends with pets.
5

out of 5

POSTED: | BY: Calderon Family

Glad we chose Embrace!

When we got our puppy we wanted an insurance company that offered a variety of coverage but also had a good reputation for great customer service and timely paying claims. We chose Embrace and can say are extremely satisfied with our choice! The representatives are very friendly and willing to help. They answered all of my questions quickly and with great examples. We submitted our first claim and it was paid as promised. They even emailed me to make sure I received it! Absolutely impressed and very happy with Embrace :-)
5

out of 5

POSTED: | BY: Jeff Joneikis

Quick claim processing

Tanner had some kind of neurological episode: suddenly heavy salivating, vomiting and, by the time I could get him to my local vet 55 minutes later, he was unable to get up or to walk. 48 hours at the emergency vet hospital where they were unable to diagnose any toxic exposure but he responded to IV fluids. Claim submitted the Sunday I brought him home; claim approved around a week later and check arrived less than two weeks from the beginning of the whole event.
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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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