Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,887

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,887

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: ginger

It's paying off

We rescued a pug in August and was not sure what kind of problems he would have or had. Therefore, I thought the best thing I could do was get pet insurance. We had a few tests done on Percy in March because he had thrown up a few times. All the test came back negative but they ended up costing us $178 of which Embrace gave us a check for $142. I was so grateful and would recommend Embrace to anyone interested in purchasing pet insurance. Anytime I send in a claim, they always contact me via email to tell the status of the claim.
5

out of 5

POSTED: | BY: Jim Fitzpatrick

Prompt response on our very first claim.

I submitted a first claim with the necessary patient history on a 22 month old Great Dane. As a result, it was long (36 pages) but Embrace reviewed and responded promptly with a reimbursement. I received an email the day after submission that they received the claim, an email the next day that they were processing it, and an email the next day that they were sending a reimbursement. Not only did they act promptly, they kept us informed. Our vetererinary hospital no longer offers the insurer we used on two other Great Danes (read "health issues"). We were very happy with it, so we selected Embrace with some trepidation. Our initial experience is very encouraging. I'll give a nine on a sample size of one, but if this proves to be typical, I'll up my evaluation to ten.
5

out of 5

POSTED: | BY: shawn hetfield

EMBRACE continues to impress!

Like all my claims so far, Embrace has been true to their word and refunded what they said they would. And that makesme happy and my life a lot less burdensome. I am so thankful I chose this wonderful and honest company.
5

out of 5

POSTED: | BY: Joanne

The Best!!!

I was really skeptical about pet insurance, and of the the top companies, I decided to go with Embrace over VPI. -- The best choice ever!!!!!! The customer service follow-up is unbelievably great. Excellent customer service and follow-up. If you're still undecided, wait no longer because Embrace is the way to go.
5

out of 5

POSTED: | BY: Katherine Porter

Straight Forward and Honest

My experience thus far with Embrace has been very positive.They have been very responsive after receiving claims and have been very clear about what their policies are. We had a waiting period because our dog wasn't a puppy, but they have been true to their word on everything.
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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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