Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,565

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 14,565

Updated: May 29, 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: Geri Bidgood

Great Comany

Our Rottweiler became very ill with stomach & intestional issues while he was at a dog show,He was taken to the vet & had tests performed & given med's.A week later not alot of improvement & dropped 11 lbs,was being hand fed.Another vet visit and med's. So very glad to say he is almost back to normal.Embrace Ins. has processed my claim & the refund was deposited in my account w/o ANY problems or suprises.I have had numerous other pet insurance companys in the past that did not live up to their claims.During the time from him becoming ill & getting my refund, I had called to ask a question reguarding another pet,the person I spoke with actually asked me if he was feeling better & eating again,because he was really a very sick boy.What more do I need to say? A company where the employees care and are not just doing their jobs.We have 3 pet insured thru Embrace.
5

out of 5

POSTED: | BY: Nicole

Great experience

I've had my Embrace insurance for five years and never needed it until this past month when my dog was attacked by another dog. I am so thankful I had it! The entire Embrace staff was really great to work with. True professionals.
5

out of 5

POSTED: | BY: Jan Seladis

There when we needed them!

We have had our pets covered by Embrace for several years now. We have had a couple of smaller claims a few years ago, and we were very pleased with the coverage and the quick turn-around on the claims payment. However, the real test for us was recently when our Westie needed surgery to repair a torn ACL and dislocated kneecap. We sent our itemized bills for the pre-surgery blood work, the pain meds, and x-rays, and then another bill for the surgery itself.....within two weeks we had our claims paid as outlined in the policy, no questions asked. Thank you, Embrace, for the customer-friendly service and responsiveness!
5

out of 5

POSTED: | BY: Michael

Top Notch company!

Embrace rocks so far! Unfortunatley 1 of our dog's started to have seizures and Embrace paid for all of testing and follow-up's, no questions asked... I just hope our premium's don't go up drastically because of this.. We will wait and see and post updates accordingly.. Michael
5

out of 5

POSTED: | BY: Effie Spentzos

Embrace has been easy to deal with.

Embrace has been very efficient and reliable in processing claims submitted. They have adhered to the terms of the policy which have been clear and explained at the beginning. The claims have been easy to submit and there has been good follow through. I have been very impressed.

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 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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