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.
4

out of 5

POSTED: | BY: Bonnie Falbo

Honest Reliable Pet Insurance

I have had a very positive experience dealing the Embrace. They have reimbursed the claims I've submitted fairly. I did a thorough job of clarifying what is and is not covered when I first selected my policy and there have been no surprises. They have excellent customer service and when they are slow in reimbursing on a claim (a month, they stay in touch. I would highly recommend them to anyone looking for pet insurance.
5

out of 5

POSTED: | BY: Michelle Swan

Awesome insurance and customer service

I recommend Embrace pet insurance to everyone I know with a dog. They are prompt and will help you choose the best option for your dog and your budget.
5

out of 5

POSTED: | BY: Terri Tasto

Happy with Turn Around TIme

You response was fast considering the training on a new system to process the claims faster.Thank you
5

out of 5

POSTED: | BY: Diane McEvoy

The Right Decision

What can I say about Embrace? Everyone with whom I have had contact has been professional, sympathetic, helpful, willing to the the extra mile, and attentive to the details of whatever claims have been submitted. Although I have had numerous dogs over the course of my adult life, I never thought about obtaining pet insurance. I finally decided that having pet insurance might be a good idea. At the recommenation of my vet, I selected Embrace. I made the right decision and cannot speak highly enough about their excellent service and compassion.
5

out of 5

POSTED: | BY: Linda G

Efficient, fair, great customer service

I've had Embrace for a year. In that short time, Gus has needed two surgeries. The process was easy and I received the amounts expected. I have recommended Embrace to friends and will continue to do so.
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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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