Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,838

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,838

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: Azur

timely deposit

There was a time when things ran a bit slow, during the new training phase, however lately when I submit a claim I have had very quick service. Deposits less than 25 days made into my account. I am glad I purchased pet insurance and I did struggle with whether or not I should get it. My first dog was perfect health, second dog just seems to be plagued with issues, which thank God are under control. I am thankful for Pet Embrace and so glad I purchased my plan. Very happy with them, and they even gave me a little gift for my dog when there was a small error in one of my checks. They put that extra little touch on their service.
5

out of 5

POSTED: | BY: Heidi Kaplan

Excellent service & prompt payment

This company is wonderful. Everything can be done online and there is consistent feedback that the claim has been received and what the status is. The coverage is great and it has saved us a bunch of money. Very happy with the customer service and insurance coverage!
5

out of 5

POSTED: | BY: Gail Cafferty

Embrace Gets an A+ from Us

We adopted a puppy in November, 2012. Our daughter recommended Embrace since she has had it for her two dogs for a couple of years. I checked reviews online and liked what I saw. I called Embrace and the insurance went into effect the day we got our dog. She's had two vet visits for vaccinations and microchopping so far and both were paid within a few days of faxing the insurance forms to Embrace. In addition, an email notified us that the forms were received and being processed. Since claims may also be checked online, I saw each was completed and a check was on the way. Checks arrived, and we were reimbursed as promised. We have been Embrace customers for a little over a month, and if the service we have received so far is any indication of future service, then we chose a wonderful company. Thank you, Embrace!
5

out of 5

POSTED: | BY: Nancie Casey

Minimum Hassle...Great Company!!!

My Goldendoodle has been the healthiest dog for 5 years and then developed Masticatory Myositis. We have been in and out of the vet at least once a month since April and sometimes once a week. Embrace has been awesome with our claims. They have been there for us every step of the way. Even when my renewal came I reached my next years deductible within the first month and they kept in touch with me when I had satisfied it and the checks started coming in again! My claim is on going so they continue to pay each time I submit a claim for a test or office visit. My insurance claims with Embrace have been totally hassle free and I love how convenient and easy it is to submit a claim and receive the check.
5

out of 5

POSTED: | BY: Anne-Marie Fischer

Good experience with wellness insurance

Having a Wellness component in my Cairn Terrier's health insurance is kind of like having a savings account in that you know you will spend that much every year. In Skye's case we have $200 in wellness. Last year we used it to pay for office visits and flea supplies. This year it went towards Skye's spaying. Their service has improved greatly since being going through ownership transition. This claim was payed within a week and a half of her operation.We had an ex-ray earlier this year because Skye ate something that caused gastric upset. She had no obstructions. The $250 charge was applied to Skye's deductible so I can't really comment on payment on claims from major illnesses, knock on wood.

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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