Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,065

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,065

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: Lorrie Godsey

Amazing

My experience with Embrace Pet Insurance has been wonderful. I didn't have any problems whatsoever with claims that I filed for my dog Jake. They were immediate in their response to me on the status of the claims and I recieved a check must quicker than I expected. I would highly recommend this pet insurance company.
5

out of 5

POSTED: | BY: Faith

new customer

I am new to Embrace, I do wish I had purchased pet insurance when my dog was a puppy before so many of her things are considered pre-existing, however on the plus side her chewing and swallowing some of the remote went towards my deductible. She is close to being a year and a half and the joy of my life. It is nice having insurance to help out if she decides to taste and sample other non digestible items around the house. The staff have always been polite and timely in response, however it appears sometimes it takes a while to hear about the claim.But when questioned they respond in a timely fashion and are always nice. ONE thing I really love and am thankful for is their newsletters!!! They sent out a newsletter regarding pet food contamination and the food I had purchased was on the recall list, a newly purchased bag. I had not nor would I have found this out on my own as I do not spend time surfing the net so receiving this information was a blessing!! I find the newsletters informative and helpful.
5

out of 5

POSTED: | BY: Jennifer

Great customer care

I wish my own health insurance was as friendly and helpful as embrace. So far I have had very quick responses from well informed people. I had to do some very expensive oral surgery on my dog and my policy took the sting out of the final bill.
5

out of 5

POSTED: | BY: Daniella

Peace of Mind

As a former insurance professional, I understand the value of having coverage on my pets and Embrace has done an excellent job of providing me with peace of mind. I have been a customer of for three years and have had nothing but positive experiences with this carrier from underwriting to claims handling and follow-through. Embrace offers an easy-to-understand policy and an even easier claims process; the company does an excellent job of communicating the status of reported claims and shows genuine concern for your pet. I had the unfortunate experience of losing a pet at a young age to cancer, and Embrace showed amazing support for my loss, including making a donation in Shyla's name. Embrace offers an excellent product and excellent customer service. I would have no problem recommending this company's product to anyone.
5

out of 5

POSTED: | BY: Terri Nash

fantastic company

We have been with Embrance for several years and totally impressed by their coverage and service. Great staff

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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