Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,045

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 14,045

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.
3

out of 5

POSTED: | BY: Tim Wareham

Hard to get started with Embrace....

Hard to get started with Embrace.... It took more than four months to get medical records reconciled with actual facts of the dogs conditions. I understand why insurance companies do not cover existing conditions, however the exclusionary policy left me at odds with Embrace. Most people would have given up the fight....we were finally able to get the exclusions removed.....Embrace did cover the examination costs....
5

out of 5

POSTED: | BY: Christina Audley

Great dental coverage

I had a large dental bill on my pomeranian with an unexpected tooth extraction due to infection below the gum line, so it also required antibiotics. The total was just shy of $500.00 and Embrace paid the max amount of $400.00 no questions asked. Also, Anna was always in contact with emails, nice not to wonder whats going on. I give them a 10 rating at this time. ;)
5

out of 5

POSTED: | BY: Karen

Customer Service

I bought pet insurance for peace of mind. However, in the back of my mind I was dubious as to whether it'd be worth it should something happen to my sweet dog. At 8 years old, my dog was diagnosed with an aggressive tumor, and had to undergo chemo. Embrace came through on basically all of our claims. Admittedly, sometimes the paperwork was a hassle, but the customer service was always expedient and professional. Thank you for easing one burden at a rough time.
5

out of 5

POSTED: | BY: Amy

Excellent turn-around time

I was pleased with how quickly my check came. One of the Embrace reps even emailed me to make sure I had received it.
5

out of 5

POSTED: | BY: Eric

Overall great

Processing claims was a bit more timely of a process than I expected, but was always kwpt up to date with terrific customer service!!
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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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