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: Shelly Harris

Outstanding!

Excellent coverage, great customer service and they truly care about your pet. Rapid reimbursement and no hassle. We love Embrace! Our greyhound recently had surgery and coverage was just as stated. Reimbursement was rapid and just as stated in the policy we customized & chose. We can highly recommend Embrace to anyone that wants great coverage for their beloved pet.
5

out of 5

POSTED: | BY: Jamie Griffith

Fast & Accurate Service

Insurance with Embrace has been my first experience with Small Animal Insurance. After researching every company available to me we chose Embrace for our Cane Corso puppy. Our puppy fractured her leg and our claim was handled in the most professional manner. We quickly recieved payment and they still follow-up to make sure we don't need anything else. This has been a great experience overall.
5

out of 5

POSTED: | BY: claudia abae

super customer service

Every time I need information the issues are addressed very fast and completely - claims are processed in a timely manner and checks mailed immediately. I told my Vet that he needs to advertise Embrace - we are super happy to have made the decision to buy their policy!
5

out of 5

POSTED: | BY: Rosemary Patrick

Very good service

I recently submitted a Wellness Claim for my dog, Alex, and was very quickly reinbursed. I love the fact that they notify you by email when paperwork is received and my phone calls were answered very quickly. Great customer service !
5

out of 5

POSTED: | BY: Jim Duchscher

completely satisfied

Signed up with Embrace for my black lab Ike, and included the wellness option. I took Ike in to be micro-chipped and had a wellness exam at the same time. Embrace processed the claim and had a check to me in less than a week, keeping me informed of the claim's progress almost daily. So far I am very happy with the Embrace experience and the follow up I've received.
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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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