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've held policies with other pet insurance companies, andup until today, I was happy with Embrace. I adopted my
dog, Sugar, last August, and I knew that she was almost
blind. My veterinarian was concerned about possible
SARDS, and so, I quickly had Sugar seen by an
opthalmologist at Purdue University. They did NOT
diagnose her with SARDS, but instead with PRA --
Progressive Retinol Atrophy. This is a irreversible
disorder, but except for the blindness, Sugar should have
no other symptoms and/or complications. So, I forgot
about it. PRA is not serious, and Sugar has adapted well
to her blindness.
Then, last month, she had a corneal ulcer, which prompted
Embrace to review her records. They saw that my
veterinarian was concerned about SARDS last year, and
immediately informed me in an email that SARDS was added
as an exclusion to my policy. Of course, I am fighting
them on this, since they didn't even bother checking to
see if Sugar saw a specialist, because if they did, they
would know that she doesn't have SARDS.
Even still, I am angry. This is a demonstration that
Embrace is just following the other pet insurance
companies -- i.e. they are just looking for easy,
convenient ways to exclude conditions. I am confident
that I will win, but I am still very disappointed.
Shame on you Embrace.
5
out of 5
POSTED:
| BY: Pat
Outstanding Company - Highly Recommended
We adopted a black lab from labs4rescue last July. We have owned pets before but never had insurance. We did some research and chose a plan with Embrace. In November of 2008 she was diagnosed with luxating patella’s in both knees as well as hip dysplasia. We had one knee done at a time and were trying to hold off on doing anything with the hips as a total hip replacement was a major surgery. Unfortunately we had to replace her left hip two weeks ago. Through the course of the surgeries and etc. Embrace was outstanding with their customer service. They were extremely responsive and covered everything based on the policy selections we chose. They follow-up and stand behind their policy. I would HIGHLY recommend this company to anyone who owns a pet. It is rare these days to find a company that believes in customer service and stands behind their product. We are truly grateful for their coverage and commitment to the customer.
5
out of 5
POSTED:
| BY: Kim Monocchi
Incredible Customer Service!
Thankfully I have yet to use our insurance coverage for anything major, but each and every single time I have dealt with Embrace, I get an immediate and positive response.
I am not the only customer who feels this way. I chose Embrace after I read the positive remarks made by a number of Embrace customers on more than one Golden Retriever Forum. Apparently, many Newf owners are just as happy.
I'd also like to take the time to explain why I chose to insure my two. If one day my two are faced with cancer I do not want to make treatment decisions based on finances alone. Embrace allows me Peace of Mind.
I'd also like to send out a big Thank you to Embrace for supporting Meggie's cause.
5
out of 5
POSTED:
| BY: Delphine VanTassel
Wellness Policy with 1st year puppy
Not having owned dogs for almost 15 years, pet insurance was a new concept for me. After doing extensive research I chose Embrace because they offer congenital coverage and also take regional expenses into account. Since I live in the "expensive" NE this applies to vet bills here. I was curious to see my first claim with their wellness program as I just went through the vaccination series for my cane corso pup, along with the usual digestive/intestinal upsets that seem to go along with new pups. They promptly re-imbursed me the full amount allowed for the year. All they required were detailed vet bills with a written report from the vet office. I am most pleased and intend to spread the word that they are one of the better (if not the best) insurance companies available. Highly pleased with all aspects of my dealings with this company.
4
out of 5
POSTED:
| BY: Mick M
Bait & Switch???
I insured my two cats with Embrace for a year. The insurance appealed to me because Embrace touted how they would cover ongoing conditions beyond the first policy year and not consider them pre-existing conditions at renewal time. However, a close reading of the fine print revealed that coverage for ongoing conditions would be considerably reduced after the initial policy year, a stipulation I had to really dig for in order to find it out. Worse yet, when the first year's coverage approached its end and renewal time came up, Embrace jacked up the premiums by more than 40%. The initial premium was very competitive, but the second year's premium was outrageous. I felt that such a huge premuim ncrease for the second year almost amounted to a bait and switch tactic. Needless to say I didn't renew!
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.