Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,845

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,845

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.
4

out of 5

POSTED: | BY: Scott H.

Wellness claims paid, illness claim denied

Recently had wellness and illness claims for our dachshund puppy. The claims processing was a bit slow but we did receive e-mails with updated status. The illness claim was denied due to uncertainty over whether the symptoms were due to a pre-existing condition. Would prefer not to have to appeal (would have helped to know what tests were needed before the claim was submitted) but the claims representative was clear in what we will need to provide for the appeal.
5

out of 5

POSTED: | BY: Claudia Guevara

Best customer service!

Fortunately, i don't have to call embrace too often (healthy pup so far). But the few times i have called, everyone I talk to is extremely helpful and very nice. They are also very quick in responding to emails which I find very convenient!
5

out of 5

POSTED: | BY: Holly Goldman-Craig

Thank goodness for Embrace!

Our dog injured his back and Embrace has been wonderful in handling the claim. It was very scary, leaving our dog at the emergency clinic on a holiday weekend and worrying about the large vet bills to come. Our dog is now currently in rehab and Embrace has been a huge relief to us. Customer service has been great - Embrace has stayed in touch while they had delays due to a new computer system, but have paid everything per our policy. I am very thankful we have this coverage and I have and will continue to recommend them to our veterinarians and other pet owners.
4

out of 5

POSTED: | BY: paula

Positive experience

So far I have only had normal yearly exams and Ebrace handled things very professionally and have been very friendly, the only minor complaint I have is that it took about 3 weeks to process other than that I am glad I chose Embrace.
5

out of 5

POSTED: | BY: Meryl

Worth the wait

I put in my first claim, and although it was a bit of a nerve racking wait, I was pleased they paid what the said they would. I had insurance for years with another company that was good to me, so changing was a bit of a risk, especially since I have 4 dogs on insurance. I had heard good things, so I changed. Now I need to tell all my friends who don't have insurance, that maybe they should consider EMBRACE.
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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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