Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,931

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,931

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: Deb

Gastritis Claim

Thanks Embrace,Claim Process was nice and easy for my first one. Gives me even more peace of mind. (As much peace as I can get with 2 young pups that are into everything!) Keep up the great job!
4

out of 5

POSTED: | BY: Jim

quick and easy

wellness claim paid and direct deposited in days
4

out of 5

POSTED: | BY: Alan Rose

Quick, Easy Review & Approval

Embrace is the first pet insurance I've used ... although I've had dogs for many years. They're proving to be fast, polite and accurate. Thus far, I've only had one claim, that they quickly approved against my deductible. It seems they're straightforward and professional. Alan
5

out of 5

POSTED: | BY: Robert Blumberg

No Surprises!

Our three dogs have been insured with Embrace since November 2008. We had several pre-existing conditions which we fully disclosed. We have filed several claims, both for illness and under the wellness option. Embrace handled our claims exactly as advertised in a transparent and timely manner and in accordance with the policy. Embrace also responds promptly to my emails. As with any insurance policy, I suggest reading the policy completely in order to fully understand what is covered and what is not. We've recommended Embrace to a number of people.
5

out of 5

POSTED: | BY: Charlotte Underhill

I am satisfied with the settlement of our clains.

We have six family members (two dogs & four cats) insured with Embrace plus I've encouraged my mother to insure her new puppy with them. We have experienced some major illinesses with some of ours and have been able to weather the financial side because of having this insurance (i.e. a MRI ($1900) which was paid promptly and without question). The neurologist was very interested because he has been asked about various companies and he was not familiar with Embrace; now he is.
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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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