Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,179

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 14,179

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: Linda

thanks for covering the ultrasound

After recurring bladder infections, our dog required an expensive ultra sound to determine if he had bladder stones and/or and enlarged prostrate. Fortunately this is covered by our dog's policy so at least we have made our deductible! Thanks Embrace insurance Linda
5

out of 5

POSTED: | BY: Alan

Never Thought I'd Ever Like an Insurance Company

The experience I've had with Embrace has been nothing short of excellent. My wire haired dachshund Mabel developed a heart condition this past summer. I have submitted numerous claims on her behalf and Embrace has reimbursed everything (less our $500 deductible and 10% co-pay) to the penny including the bills from specialists. They pay the amount the vets actually charge and not an amount that some other insurers do, what they consider to be "reasonable." The only mistake I made was not getting coverage for meds as this is now running over $100 a month. I have amended my policy to include drug coverage for my other dog for only an additional $5 a month. I can't recommend Embrace highly enough.
5

out of 5

POSTED: | BY: Beth Carson

1/13 - 2 dogs, 2 claims

It continues to amaze me that the turnaround time for a claim with Embrace only takes 10 days or so. Your company is most efficient and communicates when they receive a claim - when they process a claim - and confirms that I have received the reimbursements. This is a good Company and I have referred you to all my friends with pets.
5

out of 5

POSTED: | BY: Geri Spino

Claim Reimbursement

This is my first claim although I have had the insurance for about 4 1/2 yrs. The service was very fast, reimbursement in a week.The paperwork was handled very professional, but some how I missed the fact that I had to pay the $500.00 deductible plus 35% co-pay, but all in all I am satisfied.
4

out of 5

POSTED: | BY: Barbara Lipari

Pleased with coverage - will renew

Pleased with results of review and being kept advised with e-mails about the status of the claim.
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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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