Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,838

  • 60 Days
  • 1 Year
  • Lifetime
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  • 3.0
  • 4.9
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  • 15
  • 13,838

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: Lynn Griggs

They do exactly as they say!

I have two dogs. One needed patella surgery 2x which is considered congenital. Embrace paid handsomely, just as it stated in the policy. There was no hesitation and no problems. They just paid all claims. Amazing, when you hear so much about rip off companies--this company is great! I will always use them if I have pets. My other dog is healthy but you never know. What if I didn't have this coverage, I would be in so much debt. I recommend Embrace to anyone who loves their pups, cats, etc. There is no choice for me. And their customer service is fantastic-everyone is so polite, and helpful-it's like they all have stock in the company. I wish every company was run like this one.
5

out of 5

POSTED: | BY: Meg Wittenmyer

SO WORTH IT!!

We have two Great Dane companions, a breed known for having health issues. Knock on wood for two years we haven't needed our policy, but when our deaf boy began struggling with recurring pneumonia, Embrace has done everything to be helpful and responsive. He's still being treated, but we've already recouped all of what we've paid in premiums for both dogs. Plus, they always ask how he's doing in our email correspondence. They care and they work for you!
5

out of 5

POSTED: | BY: Charlie

excellent

I just wanted to say that Embrace is legitimate in everything that they do. They are sincere and caring and genuiely care about pets and their owners. I only had a policy for about 2 months. My little girl had severe genetic heart problems and Embrace covered everything to make her comfortable. For the treatment and the price Embrace cannot be beat by anyone..... When the time is right for me to get another puppy I will for sure buy another policy with Embrace.
5

out of 5

POSTED: | BY: Susan G.

Insure your pet with Embrace now!

I am recommending Embrace to all my friends who have pets. Taking this insurance is one of the smartest things I have done. Even though my dog is only 4 years old, she has had $2200 in vet expenses over the past few months, and Embrace has paid everything they said they would.
5

out of 5

POSTED: | BY: Pamela Cummings

I am quite pleased 3/17/09

My dog's claim was paid to my approval . Initally I had a problem which was due to my vet. not detailing my dogs condition adequately. After discussing. the issue with an Embracer, I followed the suggestion. I appealed the case. My issue was resolved my ciaim was paid and we are happy. Thank you for your speedy resolution.My friend is planning to add a puppy to her family I recommended Pet Embrace to her.

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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