Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 14,246

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 14,246

Updated: May 29, 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: Paula Hatcher

Lump Removal

Gracie had a lump on her head just above her left eye. I noticed it was growing larger each month. I took her to the vet and they removed it. Embrace paid quickly.
5

out of 5

POSTED: | BY: Mary E.

Excellent Alternative Medicine Coverage!

My rescue Aussie began getting itchy a couple months after we first bought an Embrace policy. Soon, she was spending much of her day chewing and licking herself, and often woke us up in the middle of the night with her scratching. We decided to try homeopathic treatment for her itching, and have been very pleased with the progress so far. The itching has decreased dramatically and she is even more active and happy than when we first brought her home. Embrace covered her certified veterinary homeopath's phone consultations in full. I am so glad that there is such an enlightened pet insurance company out there - their coverage let me try a treatment with few side effects that has also turned out to be very effective. They also have quick turnaround time on claims, helpful staff, and wonderful communication with their clients. Just a great company.
5

out of 5

POSTED: | BY: Lisa Lambert

Embrace Pet Insurance is a must!

I have had VPI in the past and it is a nightmare. You think you are covered for those large bills and you are not. I had an insurance agent check Embrace out thoroughly and they are by far the best. I have 8 dogs so insurance is a must in my home. You will not regret insuring your pet with Embrace.
5

out of 5

POSTED: | BY: chris leblanc

wellness reward

I faxed the claim on sunday and got a response monday.That is quick and I was told my check was in the mail. Could not asked for better service
5

out of 5

POSTED: | BY: Dorothy Moyer

First Class Service

I have always been very impressed with the Embrace customer service representatives in purchasing and updating my policy with new animals. They are always friendly, caring and knew their business. I had never had a claim in several years, and was thinking that maybe I could economize by dropping the insurance, when lo and behold our large shepherd ruptured his cruciate ligament and was in dreadful pain. He needed an expensive operation quickly. Embrace handled the claim within days, and fully paid everything we were to get under the policy. I was very, very impressed. Needless to say we will not be dropping the coverage! With 5 dogs, it is really peace of mind.
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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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