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.
Almost instant emails regarding any information requested or just an update on your claim. Customer service like we had in the 50's ... now practically non-existant.
5
out of 5
POSTED:
| BY: Daisy
Very Helpful and Understanading
Coco's been with Embrace going on 2 yrs. They've always been good at fast reimbursements. We went with Wellness options this year and brought her in for teeth cleaning. The renewal had overlap with the older because I had paid a week before plan expired. I had thought she was already under the Wellness option. Laura was very understanding and applied the teeth cleaning on the new plan. I had brought Coco in a week early before the new plan took effect. Laura was very understanding to make this one time exception. I am very please with Embrace and would not hesitate to recommend friends to Embrace.
5
out of 5
POSTED:
| BY: Tyler Staples
Embrace Saved Our Puppy
Until we got Jade, I thought pet insurance was kind of a ridiculous idea. However, after spending as much as we did on training and equipment (crate, toys, etc.), and finding out how expensive some medical procedures could be (after discussing it with our trainer), we decided that insurance was a smart way to protect our investment (both financially and emotionally). We signed up with Embrace, never expecting to have costs that actually topped our $500 deductible. Our trainer recommended Embrace because they cover breed-specific genetic conditions, whereas most pet insurance companies do not. This turned out to be the most valuable part of the insurance for us. About 6 months after we signed up for the insurance, Jade started to squeal whenever she would try to stand up. We brought her in to our local emergency clinic, where they discovered she had dysplasia in her right hip. Further investigation at MSU vet hospital revealed that she also had Salter-Harris fractures on both Femurs. Both conditions have required multiple trips to both our local vet and MSU (at an average of about $500 per trip), and Embrace has covered 80% of our costs for every visit, from the first one to the emergency hospital to the $4,600 Total Hip Replacement surgery she just had at MSU three weeks ago. She has also needed several medications to control the pain from the conditions and the surgery, and those were covered as well. If we didn't have Embrace Pet Insurance, we would never have bee
3
out of 5
POSTED:
| BY: Linda
Wellness Coverage
Most pets have to see the vet at least twice per year just for wellness vaccines & to get preventive meds for heartworm, flees & ticks. Unfortunately this plan only allows for once per year, so any wellness preventatives over $200 are out of pocket. I wish there was a plan for higher coverage that wouldn't be too much more per month. I'm glad my pet hasn't had a serious injury or illness, but the regular wellness care adds up.
5
out of 5
POSTED:
| BY: Jan Ramos
Embrace Wellness Rewards Plan is Great
Embrace Pet Insurance's new Wellness Rewards Plan certainly pays off! Who can turn down paying $149 for $200 in return on veterinary services and products we pay for anyway?
The Wellness Rewards Plan does not involve a deductible because it is not insurance. When I purchased a 6 pack of Revolution via Drs. Foster and Smith on two occasions, I submitted scans of a claim form and the invoice via email and Embrace made direct deposits to our checking account for the full amount within 2 weeks. The amount was deducted from the $200 limit on the Wellness Rewards plan for each of our dogs.
Most recently, we took our two girls in for their annual exams and vaccines. I submitted the invoices and claim forms, as above, and direct deposits for the exam and vaccines up to the remainder of the $200 maximum were received within 2 weeks again!
We've loved Embrace Pet Insurance since we first took out policies on our 3 dogs in June 2007. They've always processed claims quickly and we love that we can customize a plan that fits our budget (choice of deductible, coverage, etc.). The staff is always kind and very helpful. In late October, we had to say a final good-bye to our oldest dog due to bone cancer. Embrace was beside us during the entire illness and at the end. We even received individual emails from Embracers expressing their condolences - very touching, yet surprising from a business.
The new Wellness Rewards Plan is great for customers, but also a wise move for
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.
