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Embrace Pet Insurance


4530 Richmond Street
Cleveland, OH 44128
phone: 800-511-9172
website: http://www.embracepetinsurance.com
claim form

Embrace offers accident and illness coverage in all 50 states and DC. Policies provide coverage for hereditary, genetic and congenital conditions and can be customized to fit all budgets and needs.

Embrace also offers an optional Wellness Rewards program to cover everyday veterinary care.

Embrace asks every claimant to review her Embrace experience using a link to this website, whether she was reimbursed a large or a small amount, or nothing at all. Embrace never has and never will pay for reviews.
Customer Ratings
60 days 1 year Lifetime
Rating 9.5 9.4 9.2
Count 142 1002 5818
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  Money
Monthly Cost $13 - $100 depending on options selected.

Coverage You have a co-pay of 10%, 20% or 35% after your deductible.

The payout amount is based on your actual vet bill.

Payout Limits Annual limit of $2000, $5000, $10,000 or $15,000.

Lifetime limit of $50,000.

Deductible $100, $200, $300, $500 or $1000 per year.

  Limits
Age Limits Pet must be at least 8 weeks old to enroll.

Dogs: Mixed breeds must be under 9 years old to enroll; Purebreeds must be under 7 years old.

Cats: Mixed breeds must be under 11 years old to enroll; Purebreeds must be under 9 years old.

Once enrolled, pets can stay insured regardless of age.

Waiting Period Coverage begins 14 days after date listed on policy

Exclusions Pre-existing conditions are not covered.

Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before policy becomes active.

  Misc
Notes The main plan is customizable.

Optional plans: wellness, dental and prescription drug options are available for an additional cost.

Main plan covers alternative treatments such as chiropractic, accupuncture, homeopathic, etc. as long as provided by a licensed veterinarian.