Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,879

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,879

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: Laura Ottinger

The best pet insurance around!

I had investigated pet insurance for years. Spoken with people who had it, talked to vets who had information from their patients etc. and had never purchased it because of all the negative feedback and disgruntled people. When we got a new pup though I decided to begin again with my research. I was surfing the web reading reviews and when I stumbled upon Embrace I was oh so impressed with what people who had this insurance had to say. I can honestly say that I have been overwhelmingly pleased with my experience in every way. Their customer service is polite and caring, their responses quick, their payment of claims quick and easy. I couldn't be more pleased and I tell people (and my vets) about Embrace every chance I get.
5

out of 5

POSTED: | BY: Elizabeth Gomez

So Far Great Service

I decided to purchase insurance for my new puppy to ensure we would not run into high costs associated with a full breed dog. So far, the claims office has been extremely helpful and timely in responding to all claims and submissions. They even reminded me to send the orthopaedic form, as I did not understand that was necessary. I read other reviews online in order to choose the best company, and so far I am very pleased.
5

out of 5

POSTED: | BY: Maxxie, SF

so far, so good =)

I just switched to Embrace last February for my almost 4 y/o pug. I must say their notification process are very good. They email you to confirm receipt of claims and results of claims so you dont have to wonder whatever happened to it. You can also submit claim via email which is very very convenient instead of mailing it or faxing it. They give you really good reminders. If they didnt remind me of that orthopedic exam to waive the waiting period from 6 months to the date of the exam, I wouldn't have been able to do it and have to wait for that 6 months period. Their claim response was really fast! I emailed my claims on Sunday, got response by Monday, and got an email Tuesday saying my refund is in the mail!!! The customer reps are also very friendly and very accommodating. I hope they keep this up!
5

out of 5

POSTED: | BY: Ragan

Best of the best!

Making the decision to switch from my previous pet insurance to Embrace has been THE BEST decision I've made for my furry babies! Having twin Shepherds means double the expense on routine shots...opting for the wellness package was SUCH a smart choice! Instead of being out all the money at once, I pay the manageable premium each month and was reimbursed almost half of this round of shots and checkups. For any of you on the fence about health insurance for your dog...please don't delay...and please don't look anywhere else. The staff at Embrace are genuinely in this for the animals and you won't find that ANYWHERE else!!!
5

out of 5

POSTED: | BY: Marc R,

Excellent Support and Response

We had just signed up with Embrace when our puppy (Maltipoo) contracted an infection. While it took some time to get his paperwork over to Embrace due to mail and email issues, everyone at the company was fantastic to speak to and to work with. Embrace's followup was excellent (better than the followup with my 'human' medical insurance company) and the coverage provided was very fair. My wife and I have been very pleased by Embrace's care and support. We were with another pet insurance company for another dog who recently passed away, and we weren't happy with them. We did a lot of research before we signed up with Embrace and we are very pleased with our decision and the company. Embrace has been fantastic.

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 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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