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: BV

Finally, "Honest Insurance" is not an Oxy-Moron!

I never write reviews, but with Embrace, I had to. I have had Embrace pet insurance for over 4 years now and while the premium is a little higher than what I started with, it has been well worth it. Everytime there is a claim, the claim specialist (aka embracer!) makes sure to let me know they received the claim, sends an update if things are delayed and usually claims are paid out as promised with no hidden language in 3-4 weeks. I HAVE NEVER HAD ANY ISSUES WITH CLAIMS NOT BEING PAID. One of the honest insurance companies I have come across (comparing human and pet insurances) in my life and its very refreshing! Keep up the good work Embrace!
5

out of 5

POSTED: | BY: Pam

Thank you Embrace!

Embrace has been great in their communication of claims and speed in processing claims. I highly recommend them to anyone who has a pet.
5

out of 5

POSTED: | BY: Barb

THE insurance EVERY pet should have

This is my first experience with insurance for a pet and I am floored! I purchased insurance for my dog plus the wellness plan. The folks at Embrace have been in contact with me constantly, helping guide me thru the process. I was able to customize the insurance side to get to a workable premium number & I LOVE the wellness plan. For $300 I get $400 worth of wellness services! I've already used $155 for annual exam & shots & will no doubt use the remaining in a few weeks when it's time for her teeth cleaning. I was amazed to get an email just a few days after submitting the claim stating that my claim refund check for the full amount will be in my mailbox within 10 days! No fuss, no muss. This is very forward-thinking insurance. These people obviously understand that if you invest in preventative care up front, you're less likely to need the insurance on the back end. Fabulous experience from beginning to end, giving me much appreciated peace of mind. Only wish I had known about this when we first got her! ....now if only MY health insurance was so easy to work with...
5

out of 5

POSTED: | BY: Alice Winfree

tremendous fast service for refund!

Alex Krooglik did a tremendous, fast job of processing a Wellness claim for one of my 2 kitties - I am *so* impressed - and, I really need that refund right now! :)
5

out of 5

POSTED: | BY: Amy

New satisfied customer

We chose Embrace because it covered genetic defects and wellness. With our new puppy's first visit we have used up all the 200 wellness coverage. Got our check very quickly.
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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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