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: Eva Plasky

great communication and service

Having filed my first claim to Embrace I was a bit nervous about the process and what the out come might be. Again from the start, they made the process easy and where very helpful when I had a question. Answering me via email and letting me know that the claim was received and being reviewed by an adjuster and how long it would take. Then an email came and said a check was in the mail. I bought a plan from a company, that did what it said it would do.I have spread the good word about Embrace before any claim was filed and now I have the proof to continue to spread nothing but praise about Embrace.
5

out of 5

POSTED: | BY: Ilene M.

Wonderful insurance, worth the premium

Our yellow lab is finally growing up after a very expensive medical childhood. Our Embrace monthly premium is worth every penny knowing our baby is medically covered for all problems. I wish our health insurance were as comprehensive and inexpensive.
5

out of 5

POSTED: | BY: Bruce Giedt

Efficient and responsive

We've just processed our first claim with Embrace Pet Insurance and were impressed over the efficient and responsive service we have received via email and over the phone. The company has been easy to work with and has quickly processed our claim. The service is excellent and personable. Thanks. Bruce Giedt
5

out of 5

POSTED: | BY: Kim H.

We are very pleased with Embrace Insurance.

Having Embrace as our first pet insurance, we have been fully satisfied with the communication, assistance, and timely refunds. This is our second year with the insurance and would highly recommend Embrace.
5

out of 5

POSTED: | BY: Desiree Forbes

Embrace

Embrace handles every claim in an efficient and professional manner. I very much appreciate the speed, accuracy and competency with which the professionals at Embrace operate. I've given glowing recommendations to all of my pet-owner friends. Thank you.
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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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