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 three of my four dogs covered for a good many years with Embrace Pet Insurance, and thankfully, no claims. The fourth dog--a little mixed breed-Chi-Weenie-I had carried the insurance for the first three months after we had adopted her that was provided as part of her adoption package, but then because it was a different insurance company and IA was in the middle of a year with Embrace's coverage of my other dogs, I couldn't make up my mind what to do, and so did nothing for a long while--seve4ral years.
There's always been a question in my mind, and many
"money experts" question whether the costs to carry insurance on animals is worth the continued yearly outlay, if you don't have claims.
This past April, right before my husband and I were going to go on a vacation, I thought, since we're boarding all four of our dogs again, and though I trust the facility...what if something happened while we were out of state, and the boarding facility folks had to make the initial decisions about treatment for us. So, I added Rita in April to our insurance coverage with Embrace. Nothing happened during the week's boarding period.
Just a few weeks ago, in June, I noticed that Rita just didn't seem "right." She just looked off, wasn't eating as heartily as she normally did, spent a lot of time by herself sleeping. Since she was almost at the time for her yearly "well dog" check, we went ahead and took her in for her check-up a few days early. We shared with the
5
out of 5
POSTED:
| BY: Sabrina
Wellness claim was super easy!
I recently submitted a wellness claim for my dog's dental cleaning. Even though the paperwork didn't get there right away and I had to resubmit (I think that was either a technological glitch or the vet's error) the claim was still processed quickly and efficiently, within a week. Embrace covered the full amount allowed by the Wellness policy. So easy. One of the reasons I chose Embrace was because the Wellness policy includes dental cleanings; I'm so happy that the process went so smoothly!
Every time I have called Embrace with a question, representatives have been courteous and helpful. They even respond to emails. It's a great feeling knowing you're dealing with a real person, when so many companies are automated and don't offer human interaction for difficult questions!
Although I hope I won't have to submit claims in the future (I want my dog to stay happy and healthy!!), if I do, I'll have peace of mind knowing that Embrace is such a friendly and honest company.
5
out of 5
POSTED:
| BY: Paul Friedman
A rare thing: insurance that works.
I wish there were a health insurance policy for people as good as this one is for pets. No unintelligible explanations of the payments -- just a straight percentage of what the vet bills. No drowning in paperwork -- just one easy page and the vet's invoice. No fighting for fair treatment. No long waits. And follow-ups -- Embrace actually seems to care about how well they're doing. I recommend Embrace to every pet lover.
5
out of 5
POSTED:
| BY: Marc Hansen
Rapid Helpful Claim Response
With three Golden Retrievers, wellness pet insurance is a must. Embrace Wellness Reward Claims were processed very quickly and the checks arrived almost immediately. In addition, follow-ups by email throughout the claim process were a very nice touch. Clearly the goal of the company is a long term and helpful relationship. Thanks!
1
out of 5
POSTED:
| BY: Noel
EMBRACE ARE CROOKS!!!!!
Embrace tried to tell me that I did not have a valid claim on my dog going to the vet for an upset stomach. They said because my dog had notes of vomiting on prior vet records, that "vomiting" was a "pre-existing condition" and thus, could not be covered for a period of 12 months!!! First of all, vomiting is a SYMPTOM, not a CONDITION. And my dog, as per all my vet documents, was never diagnosed with a "pre-existing condition" of any kind!!!! THIS IS HIGHWAY ROBBERY - TOTAL BS! I will tell every pet owner NEVER to get Embrace!!! I told my vet about their response to my claim for a $63 vet bill for his upset stomach, and my vet pulled all of the brochures from his office. HORRIBLE, AWFUL, DISGRACEFUL.
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.
