Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,912

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,912

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: Rob Stevesnon

Representatives have been very responsive.

- Accident claim for a bite was submitted on 5 Jan 2013.- Received request for further infromation on 7 Jan 2013. - Provided requested information on 8 Jan 2013. - Recieved aknowledgement of receipt on 9 Jan 2013. - Recieved notification of settlement on 10 Jan 2013. - Reimbursement was deposited into my bank account on 14 Jan 2013. - Claims representatives have been very helpful and I will be renewing my insurance once again....Thanks "Megan I"...you did a great job.
5

out of 5

POSTED: | BY: Colleeen Moody

Double Pneumonia at Christmas

My 9 month old English Bulldog came down with double pneumonia just days before Christmas. He spent 3 days at the vet as he was really struggling to get those lungs cleared. Thankfully I didn't have to worry about the bill since I have insurance for him. Embrace covered I received 1600 from his 2200. bill (this was my 80% after the 200. deductible). There was no hesitation from Embrace on paying this out...no questions asked. I have another bulldog that I have covered (regretfully) under another insurance company. I wish I knew about Embrace when I signed her up. Embrace has been a much better company to work with and they don't disqualify issues based on breed.
5

out of 5

POSTED: | BY: Melissa

Good experience

This is my first claim with embrace, I was pleased with the experience. The claim was processed and paid in a decent time frame and they covered exactly what I expected.
5

out of 5

POSTED: | BY: Peter Slivinski

Excellent

Have used Embrace for three years. In three years have had three illnesses occur. Each time claims were processed quickly and there were no issues with claim payments. A really good idea to have insurance as it was well worth it each time. I will be with Embrace for the foreseeable future.
5

out of 5

POSTED: | BY: Georgetta Clegg

I could not be more pleased.

As my 2 year old Bernese Mountain Dog progressed through three veterinarians and two surgeries for removal of a mast cell tumor, Embrace Pet Insurance was with us every step of the way. The staff at Embrace is so efficient, yet personable, that it's almost like dealing with family members. Personal response to emails is very prompt. And because you can select from different types of plans and deductibles when purchasing, there are no surprises when the payments are received. I would suggest that anyone reviewing pet health care insurance plans contact Embrace. I have had coverage through them on two dogs for almost three years and could not be more pleased.
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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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