Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,920

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 3.1
  • 4.9
  • Count
  • 1
  • 16
  • 13,920

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: Natalie Tompkins

Glad We Chose Embrace

This is our first experience with pet insurance and it's great. To date it's been a hassle free process. We are happy with the coverage and ability to customize our plan, the simplicity of filing a claim, and the quick feedback. We highly recommend checking out Embrace for your pets.
5

out of 5

POSTED: | BY: Terri Nash

Excellent company - highly recommend

We have been with Embrance since our dog was a puppy and the company has been wonderful to deal for the last two years. We highly recommend them. Very honest and responsive and great communication.
5

out of 5

POSTED: | BY: Gina Spadafori

Embrace: Great coverage, great service

I have several pets, all insured, including a retriever puppy. Twice -- yes, twice! -- my puppy has eaten something she shouldn't have and ended up in the ER. I go to the BEST veterinary practice in Sacramento -- VCA Sacramento Veterinary Referral Center. It's probably also the most expensive, because of its top-notch specialists and a new state-of-the-art facility. With Embrace, I know I'm covered, and my pets can get the best care available. Embrace is prompt: They left me know the claim is received, review and refund within days. Honestly, I could NOT be happier. I use their catastrophic care plan, with a $500 deductible.
5

out of 5

POSTED: | BY: Kay R.

Love this company and their employees

Can't say enough good things about Embrace Pet Insurance. About 7 yrs ago our rottweiler developed cancer and we paid every bill out of pocket. I knew once we lost him the next dog we got would have insurance. I can assure you I did my homework and much to my surprise found alot of differnt types and different coverages then I found Embrace. I contacted the company and asked dozens of questions. Chris was and still is my contact person and she answered every question and explained everything to me. We bought our 1st Bullmastiff and the first year he was perfect. The 2nd year he tore out a knee and the 3rd year he tore out the other knee. Embrace has been absolutely great. With the policys we have chosen we recovered a great deal of our out of pocket money. If you are searching for pet insurance, do your homework but I do not think you will find another company better than this one.
5

out of 5

POSTED: | BY: Heidi M

First time I bought Pet Insurance

I never bought a pet insurance policy before, but I did some research before I selected Embrace. To me it seemed just what I was looking for in a pet insurance policy. The reimbursementtime seems reasonable, and customer service was quite friendly and helpful when I had a question regarding submitting claims. I am certainly glad I had insurance when my puppy unexpectedly got sick and needed surgery. I would recommend Embrace and I actual have mentioned it already to a few friends.

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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