Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,318

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: Annie Binder

Best insurance ever, pet or human

Embrace has been stellar since we began covering our Golden Retriever 6 years ago. They are quick, responsive and actually provide the coverage exactly as advertised.
5

out of 5

POSTED: | BY: D'aja Stevens

Reliable!

I've been with this company for almost 2 years now and I can proudly say that Embrace Pet Insurance is 100% reliable. I've always received my reimbursement in 2 days and they respond right away after I submit my claim.
5

out of 5

POSTED: | BY: Sue Newcomb

Claim paid quickly

Muttiple claims for original injury and follow up treatments have been paid in a timely manner. I like the direct deposit. The coverage has worked out well for me.
5

out of 5

POSTED: | BY: Denise Miller

Great Customer Service

I'm really glad that I went with Embrace for my pet's health insurance. The prices are reasonable and any time I have a question and I e-mail the Customer Service they have always responded in a day of my e-mail. I also like that I'm able to check on claims on line and if I have any questions I get a response very quickly.
5

out of 5

POSTED: | BY: Nancy Klimovich

Fast Turn around on claims

This is the easiest medical claim I've ever processed. I love the follow-up emails to keep updated on claim status and the fast processing of two claims I put in for my two dogs. Thumbs up to this company for a great job!
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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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