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.
After a bad experience with another pet insurance company, I closely examined them all with a more experienced view. Embrace is the best by far! The coverage is fantastic, the cost is not oppressive (and I have three dogs!), and the fast return on claims is amazing! I am SO happy with Embrace Insurance. I highly recommend them to everyone! You won't be disappointed!
5
out of 5
POSTED:
| BY: Tracy Womack
Great reimbursement and customer service
I just submitted my second claim to Embrace as 3 claims in one. I had many questions to ask and with each one the customer service rep answered my questions promptly and with courtesy and respect. It is rare to find that these days but Embrace sure does come thru with that. They also handled my claim(s) in more than a timely manner and absoulutly correctly as well. I would recommend Embrace to any pet owner looking for insurance.
5
out of 5
POSTED:
| BY: cecile guildford
Excellent Service
This insurance carrier is very responsive, courteous and timely. I have submitted claims for wellness rewards, sickness, and regular vaccinations and all have been handled promptly.
5
out of 5
POSTED:
| BY: Louise
Quick, but thorough review & response time
Thank heavens for pet insurance. I have two dogs who have had several health issues. Embrace has been there for us through all their trials and tribulations and instead of feeling exasperated having to deal with an "insurance company", Embrace has made the financial aspect of this much more bearable. Claims are handling quickly and within 1 - 2 weeks of being submitted. Thank you, Embrace.
5
out of 5
POSTED:
| BY: Ryan Sullivan
Big Dog Bloat Surgery - 3am ER visit
When my dog had retching issues and a distended stomach at 3am, I took no time to consider my insurance requirements. I just took my dog to my regular 24 hr emergency vet.
After surgery and a two day recovery, I had a $4,700 bill.
The vet stamped my embrace form when I came to pick up my dog. I took that doc, and all of the payments (1/2 estimate pre-pay and remainder at the end of the visit), scanned them, and then emailed them to the claims email address.
There were some issues with mis-matching birthdays since I went to an ER vet and not my regular vet (whom has my current info). The ER nurse made some assumptions as there wasn't time to properly populate the on-boarding forms.
I asked the claim agent if this was an issue and he assured me that if my typical vet had the correct info, I should be fine.
It was no issue.
I also forgot to sign my claim form when I first submitted it. This also wasn't a deal-breaker as I was contacted to re-submit: no big deal.
about 10 days later, I received an email stating that my claim was approved and the amount I would be receiving.
Seven days later, I had a check for around $3,500.
With all of the sketchy stories and websites out there regarding pet insurance, I really only half expected Embrace to pay out.. and, if i did get anything, I figured it'd be a paltry sum due to some fine-print exclusions...
There was no BS, no back & forth, no issues.
I recommend.
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.
