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: Julie Trinh

Caring Customer Service

As someone who wanted the best for my rescue pup, I diligently researched all the pet insurance options available. The Embrace customer service team has been amazing and SO patient with me- insurance jargon can be very hard to understand, and their team does such a great job. I highly recommend this company. Also, be sure to fully understand what your policy is about prior to purchasing- that way, you can be sure that you're choosing the best option for your and your pet.
5

out of 5

POSTED: | BY: Richard

Two years, twenty claims, no hassles

I think the title says it all. We've had Embrace since we got Mosby as a puppy. We've filed all size claims, from $75 for a clinic visit to $2200 for an emergency laparotomy. We've had no hassles receiving any reimbursements, all have been the expected amount.
5

out of 5

POSTED: | BY: Peter

Claims paid as expected

I was pleased to see my first claims paid routinely. I bought the combo wellness and insurance plans. We have two Lab puppies and by the time I had them examined , all the shots, spayed and neutered I had incurred $500 in wellnessVet costs. Embrace paid them all at 100% even though some of the claims were over the 90 day period. they relaised it was my first claim and gave me some grace with that.
4

out of 5

POSTED: | BY: Lisa Carpenter

great customer service

I have been extremely happy with the customer service I have received and the timeliness of the payments. However, I was a little disappointed to hear that there is a $400 maximum on wellness which I have already met for my pet Beezy after her spay and vaccinations.
5

out of 5

POSTED: | BY: Christophe Valton

Easy process

First experience with Pet insurance. We have a puppy mill rescue and not sure of his genetic decided to get insurance. So far great service from Embrace. The claims are paid in a quick fashion and the process has been very easy so far. Good job.
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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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