Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,045

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,045

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: Barbara Hildebrant

Excellent Service!

This is our second year with Embrace Pet Insurance and we could not be happier with the quick and efficient service. The wellness plan is a big plus. I was pleasantly surprised at the speed of processing our first claim in 2011 when our 6-month old pup lacerated her leg and had to go to the emergency vet (July 4th holiday!). Embrace worked with us and both the emergency vet and our regular vet to process the claim quickly and get the check to us. The excellent service continued throughout the year and we renewed the insurance for 2012. In our most recent claim Embrace separated the Wellness from the injury and sent two checks. I did not expect that. We definitely will continue with Embrace.
5

out of 5

POSTED: | BY: Mary Rose

Very Pleased with Our Coverage

Without Embrace, we would not be able to afford chemotherapy. Now we are able to continue having quality time with our dog that we are still going to lose too soon. Reimbursements are quick after the initial approval.
5

out of 5

POSTED: | BY: Jim

Coverage as advertised

My cat was in great distress and needed emergency care. A combination of ingested hair from grooming and constipation, she was blocked. My claim was handled timely and professionally. I am glad that Embrace was there for us and was completely satisfied.
5

out of 5

POSTED: | BY: Ben

Impressive claims response

The precertification claims went through in 2 days. Not a cheap surgery and approved. Embrace is impressing me to no end at this point and I have told all to get this insurance for their pet. Amazing.
5

out of 5

POSTED: | BY: Larry Britton

Embrace Champions Pet Care.

"Embrace"always handles pet care for our little dog "Cookie" in a mellifluous manner. "Thank You Embrace, for your champion efforts. May your staff enjoy a wonderful Holiday,and a prosperous new year. From Larry and Jackie Britton. Cookie gives you a "Paws Up."
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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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