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.
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.
5
out of 5
POSTED:
| BY: Lori
Embrace has been great!
This is my first experience with pet insurance and I am very happy with Embrace. They have excellent customer service and are very responsive. It's even better than the service I receive from my own PPO!!
5
out of 5
POSTED:
| BY: natalie mills
great customer service, great peace of mind
I like knowing that my dog and I are in good hands. this time was stressful enough and embrace allowed me to worry only about my dog, not the money.
5
out of 5
POSTED:
| BY: Ilene M
As Usual, The Best
We appreciate the prompt responses we receive from Embrace. As I've mentioned before, we own a dog grooming shop in Florida and always refer customers to your company. I hope some take advantage.
5
out of 5
POSTED:
| BY: Jennifer
A year of great service and quick refunds!
I have been with Embrace for just about a year. I have a black lab puppy that I got when he was 8 weeks,and since that time he has had some serious stomach problems due to allergy issues and we have spent a lot of time at the vet and the emergency room. Every claim I have submitted has been handled very quickly, and each explanation and refund has been exactly as I expected per my policy. The customer service team is very responsive to both calls and emails that I have initiated, and questions that I have had have been answered to my satisfaction. I expect there will be some changes to coverage/refunds in the next year, if the allergy issues continue, as they could become a "pre-existing condition" once the policy renews. However, I understand that this is common with most pet insurance, and my overall satisfaction with Embrace will keep me renewing year after year even though "pre-existing" conditions will not be covered.
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.
