Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,832

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,832

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: Paul Jackel

We feel as if we've made the right choice.

After less than satisfactory experiences with other pet insurance companies, we finally feel as if we have made the right choice with Embrace. The claim was handled in a timely manner, and we believe that—given the seriousness of the incident—the reimbursement was fair. We hope that future experiences with Embrace continue to be as positive as this initial one.
3

out of 5

POSTED: | BY: Debbie Boucher

Disappointed

I have been with Embrace for almost one year and unfortunately we has the customer are the one paying for the very slow processing of claims do to "training delays". I recently have had a number of illness claims beginning back on 7/10/12 and they are taking almost 30 days to process from receipt of claim to receipt of reimbursement. This is making me rethink the renewal of my policy. At this time I would find it very hard to recommend this company and would caution a potential client.
5

out of 5

POSTED: | BY: Todd Barhydt

Wonderful

The whole process was simple and easy.
5

out of 5

POSTED: | BY: Katie

Multiple Claims, Excellent Service

Our over-eager golden retriever had a tough month in June - shattered toetail, giardia, and sprained ankle within weeks. Embrace was so easy to deal with during the claims process. They kept us informed at all points in the process and reimbursed us exactly as promised. My questions were answered quickly, by a real person. After this experience, I've already recommended them to many of my friends.
5

out of 5

POSTED: | BY: Pam Coomes

I LOVE Embrace Pet Insurance

Nothing but great things to say about Embrace. The 100% refund from my babies wellness exam was not expected. I tell everyone with pets about Embrace. Getting reimbured is so easy. It's the smartest thing I have done for my wonderful Boxer babies.
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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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