Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 19,756

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: FJ

I've used Embrace for 6 years

I've used Embrace for 6 years! Embrace continues to provide exceptional insurance coverage for my two pets. The reimbursement process is easy and quick. I highly recommend and appreciate their customer service.
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4

out of 5

POSTED: | BY: Joel Martin

Great Insurance but Software is below par

Embrace has been fantastic in their coverage of our 2 Golden Doodles and our newest member of the clan, a 4 month old Tortoise Shell kitten. My only criticism of Embrace is their Web Site. The software seems to hang up and not submit the claim at times. Perhaps a software upgrade would be a great idea?
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5

out of 5

POSTED: | BY: customer

Ease and reliability.

Submitting a claim is incredibly easy and takes barely a minute. The website is very user friendly for this. Approval does not take very long, and direct deposit is usually a 2 week turn around. I wish my own health insurance was as up front, user friendly, and reliable, honestly. Embrace has literally been a life saver for my dog Ernie. Choosing Embrace for my dogs' policies was one of the best decisions I have ever made.
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5

out of 5

POSTED: | BY: Barbara A. Offer

I have always received excellent…

I have always received excellent customer service when inquiring about a claim but, in a few instances, received the expense sooner than expected. Embrace is No. 1 for me. Thank you for your excellence!!!
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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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