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.
My dog, Eddie, has been under Embrace coverage for over a year. Making a claim is very easy and I receive my reimbursements for wellness visits within a week. I love Embrace so much, I just added my new five year old rescue, Roscoe. His first claim was just processed and I know the check will be here soon. I tell all of my doggie friends about Embrace and how easy they are to work with and quite affordable.
5
out of 5
POSTED:
| BY: Nathan
Very Happy I chose Embrace
I researched all the different pet insurance companies before settling on Embrace and I am very happy with my choice. I have had nothing but great customer service when I call and the benefits are great. I believe they are still the only company that covers breed specific genetic issues and the wellness program is wonderful. I also really appreciate that I can go to any licensed vet since I travel with my dog frequently and may someday need to visit a vet while on the road. Also, there is no hidden small print. What you sign up for is what you get and there's no guesswork when it comes time to submitting a claim because the forms are super easy and you can fax it in which is both immediate and cost saving. The discounts for microchipped pets and for paying for the full year in advance are also very helpful. All in all, my dog Whiskey and I are very happy with his insurance and I would not only recommend Embrace to all pet owners, I would easily get it again for my dog and any pets I own in the future.
5
out of 5
POSTED:
| BY: Kathy Trybus
prompt service, great coverage
Every claim I sent was processed quickly. Most importantly, a pre-certification clain was processed quickly so that I could schedule surgery for elbow dysplasia. Truthfully, I would prefer that I never needed to make a claim--it means I have a healthy dog! But unfortunately, things do happen, and there is more and more out there to help our pups.
5
out of 5
POSTED:
| BY: Andrea
So far, so good...
I just purchased my policy about 2 months ago. I researched a number of companies and chose Embrace because they seem to have better coverage for a number of common conditions. I also purchased the wellness plan and am glad that I did. I have already used the full $200, but I knew I would have plenty expenses during my puppy's first year of life. The claim was processed promptly, and I have had excellent communication via email. So far, so good.
5
out of 5
POSTED:
| BY: Julie Warner
Superb!
I have had Embrace coverage for my dog Abbey for almost a year, and have only the highest regard for this company. Embrace has been a real lifesaver, make that "legsaver" for us. In late January, Abbey started limping on her front leg. After two regular vets, a neurologist, an orthopedist, and a radiologist, Abbey was diagnosed with bone chips in both front knees. She recently underwent bilateral arthroscopic knee surgery! So far, her bills have exceeded $4,000, something I could not have afforded without Embrace. The turnaround time on claims is remarkably consistent and fast. I asked for an expedited reimbursement for her surgery because of the large dollar amount I was out of pocket, and Embrace delivered. Thank you, thank you. I highly recommend Embrace and getting insurance for your furry kid(s). Abbey is a mix, so I never expected this problem. At 6 years of age, Abbey had never had a "sick day" in her life. You never know what will happen - and Embrace is there for you when the unexpected happens. I've used other companies before, and Embrace offers the best coverage and customer service by far.
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.
