Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,827

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,827

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.
1

out of 5

POSTED: | BY: Shannon Perry

Terrible!!! Don't waste your money!!

EVERY claim they have managed to find some ridiculous reason not to cover it. Don't be fooled by the $200 deductible.......you could spend thousands of dollars in out of pocket expenses for your deductible and they get to decide exactly how much they want to release towardsyour deductible! TERRIBLE!!! SAVE YOUR MONEY AND JUST PAY THE VET BILLS OUTRIGHT......YOU WILL SAVE MORE MONEY IN THE LONG RUN!!
5

out of 5

POSTED: | BY: Jacqueline Kramig

All Covered

I am so grateful we bought coverage from Embrace. Our new puppy has been quite a handful in his first 4 months with us. He has done everything from eating knee-hi's to breaking a leg. When I received my coverage for my new Bernese Mountain Dog I immediately had the vet fill out the forms and examine him for the Orthopedic Waiver. Thank goodness!!!!!!!!!!!!!!!!!!!!!!!!!!!!! He actually later BROKE his hind leg and it required SURGERY. Embrace was great. They collected all of the necessary information from the veterinarians and surgeons and processed my claim promptly. Everything from his after-hours emergency care to his surgery and aftercare were covered exactly as the policy stated. I have been so grateful for Embrace's service and coverage. It has been a lifesaver in more than one way.
5

out of 5

POSTED: | BY: Jason

Big Help

We have an injury proned Rottweiler named Sasha. She has had cruciate ligament surgury on both hind legs, and surgery for a herniated disc the was pinching here spinal cord among other less serious things, and she's only 4 years old. Embrace has greatly helped us to be able to afford to get our pup healthy.
5

out of 5

POSTED: | BY: Bob

Fast Service/Personal Attention

This is our first time to have pet insurance -we lost our family dog of 10 years last year to cancer and our vet bill became very high as we spent months trying to save him. We have another dog now and we wanted to make sure he has good vet care his entire life and that we could afford the unforseen care that he may need in the future. We have been very happy with Embrase and their quick response to everything.
5

out of 5

POSTED: | BY: Gina Spadafori

My dog is alive because of Embrace

I've carried pet health insurance for years but never really needed it until my retriever was diagnosed with cancer. Prognosis very poor, and chemo was the only hope to keep her alive. That was four months ago. Her cancer is in regression, and she remains asymptomatic. You wouldn't even know she had cancer! Embrace has been supportive of our fight with every claim, with fast, full reimbursements. They are as responsible for my dog's medical miracle as her oncologists are. I know they will stand by us going forward. She'll have chemo every three weeks for the rest of her life. Without Enbrace, that life would be much shorter. Instead, I have my happy, active dog, LIVING (not dying) with cancer.

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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