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.
We signed up for Embrace pet health insurance based on the recommendation of a friend. While we have no other experience to compare it to, we've been extremely happy with the reimbursements, communication, and client service Embrace has provided us with. I'd recommend them to anyone.
4
out of 5
POSTED:
| BY: Carl Yamamoto-Furst
Great company, but not flexible
Pet insurance companies engage in the type of health insurance Erin Brokovitch fought against when the only type of health insurance for humans was non-PPO make-a-claim-that-we-then-deny style of insurance.
I am very happy to report, however, that I have not experienced this from Embrace. Their staff is very helpful, they stick to their policies and they are prompt with their benefits. Pretty much all of what we received has been according to what their policy says.
However, as such, they are not flexible and this is where Embrace shoots themselves in the foot and inconveniences their customers.
My Dog Lulu had some masses on her breasts that needed to be removed. The vet, to save money charged us for a Dental Treatment. The reason for this was because in the dental treatment they use the same anesthesia, they clean her teeth and they charge $200 less. So the idea was to charge for a Dental Phraxis (Pyraxis?), clean her teeth and at the same time remove the masses (they were small and near the surface; not a very invasive surgery). However, Embrace would not cover the dental procedure, not even with the wellness allowance that we have. This is legit and its very clear in their policy that they don't do this.
This means however that to receive more coverage I should have forgone the dental treatment, thus reducing the amount of care my dog received, submitted a claim to Embrace for a larger amount and paid less out of pocket. In this scenario, I win, everyone else,
5
out of 5
POSTED:
| BY: Marina Choi
Reimbursement of claims on time efficiently
Embrace has been very dependable for working out with me on paying special attentions on all emergency situations and reimbursing my med bills very effiently and on time which I very much appreciated and helped to ease off my stress level so that I can attend fully to my pet's needs with peace of mind. Thank you Embrace and all the staff for being so supportive of my situations. As I see my dog Fabio gaining back his robust self again, I know Embrace had played an important role in our healing process. Thank you Embrace for being there with us!
5
out of 5
POSTED:
| BY: Holly Mooney
Great Service & Reimbursements
I have dealt with a few pet insurance companies, and Embrace is the best one that I have used. You can customize your coverage. But best of all, they honor the invoice cost and do not try to reimburse you a small percentage of what you have to pay the vet. I would whole heartedly recommend them to anyone.
1
out of 5
POSTED:
| BY: RJKISS
Disappointment
thought insurance would cover more... have had insurance for more than 2 years and this is first claim.. i have to appeal because i believe more should have been covered Had vet bill of over $880 none was reimbursed... RJKISS
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.
