Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,846

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,846

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: Robert Lerner

Response

Subject: RE: Robert Lerner Embrace Claim Explanation of Benefits EPI:0100098Laura, I want to thank you for your prompt action on Oskar’s claim. I have used other insurance companies in the past and they have both more expensive and less responsive. I have only been a client for a few months and I realize you have lost money on our relationship but that has not stopped you from prompt, satisfactory responses. Thank you for your good service. FYI, my Vet, Hometown Animal Hospital has asked me about your company. They had previously had been recommending another company but I related my satisfaction with Embrace and I believe that they might switch to Embrace.
1

out of 5

POSTED: | BY: EG

Terrible First Experience

My dog was diagnosed with 5 lipomas on left leg and chest and prolapsed 3rd gland. I went with Embrace as they were supposed to cover hereditary conditions for specific breeds. But they refused to cover any of the surgery cost or the consultation before the surgery. I am very disappointed. Also took them over a month to respond to me on the claims.
5

out of 5

POSTED: | BY: Amelia Nugent

Excellent Customer Service

When we adopted a second dog, my husband & I decided it was time to consider pet insurance. I spent a month researching different plans & companies, and Embrace looked like the best choice. I have been completely satisfied with their customer service, handling of claims, and flexibility of coverage. Thanks for all the help!
5

out of 5

POSTED: | BY: Dan Miller

Caring and comprehensive

The entire team at Embrace is a pleasure to deal with. They have covered everything exactly as it is outlined in the policy we have with them. They process claims efficiently and payment is prompt as well. We have been with them for two years now and plan on continuing for the long term.
5

out of 5

POSTED: | BY: Norma &

You are Incredible

A little over a year ago our new 3 momth olg pup "STORM" had a horrible accident when he was attack by a neighbor's malamute. The dog grabed Storm's leg by getting his head under our fence . The leg was just barley hanging on. We rushed him to the emergency vet.clinic where they we able to save his life and with 4 surgeries they were able to save his leg.We had only taken Embrace out a few days before this happened.You were there from the beginning and followed us through the entire process...not only paying our claims; but also encourageing usas we went through the ups and downs of Storm's recovery. A couple of month ago he started having problems with his left back leg. He had a luxation of the patella and had surgery to keep it in place and is now recovering form that surgery. EMBRACE has been right there for us. In less than a month after the surgery,the claims have been paid to our satisfaction. It would be great if our our health insurance would be as efecient. As long has we have dogs ,we'll hvae EMBRACE!

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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