Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 13,827

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 0
  • 3.0
  • 4.9
  • Count
  • 0
  • 15
  • 13,827

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: JAMES R

Part of our support system

Exactly what I pay for. My service dog got sick, spent a week in hospital, needed medication, needed a blood transfusion from a live donor. I submitted my claim, received the 'up to 30 days' response. Two days later, my claim was approved and I had check in hand a week later. No muss, no fuss, no stress. I got to focus on my puppy without worrying if I would be able to make rent. Two months salary spent on her medical bills, and no delay paying any of my bills. I am so thankful Embrace was part of our support system.
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2

out of 5

POSTED: | BY: Phyllis Harris

Put your money in a savings account for…

Put your money in a savings account for your pet’s vet bills rather than give it away to Embrace. Nothing covered. What a scam.
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5

out of 5

POSTED: | BY: THOMAS H. STEARNS

Great Experience

The whole process was quick, simple and efficient. If only human health insurance could work so well!
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2

out of 5

POSTED: | BY: The King Adrock

This company is expensive and not worth…

This company is expensive and not worth it in the long run, I will be leaving. After putting in a claim for $200 you gave me $50. This seems like a scam. I am not happy with Embrace.
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5

out of 5

POSTED: | BY: Consumer

We selected Embrace when our golden was 8 weeks old

We selected Embrace when our golden was just a puppy because they do not exclude illnesses and conditions known to affect certain breeds the way other insurance companies do. Uploading claims was easy and reimbursement timely.
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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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