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.
Our newly acquired labrador retriever jammed his leg and subsequently was diagnosed with severe arthritis in both front shoulders, elbows and carpals. The claim was handled very efficiently, more efficiently than my previous pet health policy.
5
out of 5
POSTED:
| BY: Reid
Just what I was hoping for!
After having several pets with extensive health problems, I decided that the next time around I would try pet health insurance. Well, after much research we settled on Embrace. Almost right away my rescued kitten started having problems. Embrace was everything I was looking for in a great insurance company. They responded quickly, have great customer service and covered everything I thought my policy would cover. I'm very please with Embrace.
5
out of 5
POSTED:
| BY: Kathleen Hustek
I'm Glad I Chose Embrace
When a new kitten entered our lives it was time to consider insurance. I reviewed several, and chose Embrace because it offered the most for the least, and in these days of recession, that's important! So far my claims for wellness have been acted on promptly and I have been amazed at how quickly reimbursement is deposited into my account. I would recommend Embrace to any friend.
4
out of 5
POSTED:
| BY: Jules
Great response
This was my first experience with pet insurance. At first I was hesitant to purchase thinking was it worth the cost in the long run. I'm glad I did. Their response was prompt with a month turnaround time.
5
out of 5
POSTED:
| BY: Jen K.
Thoroughly impressed!
I am thoroughly impressed with Embrace! A couple of months ago, we got the $10k annual ($50k lifetime) coverage, with a $200 annual deductible and 20% co-payment, and the optional prescription coverage, for our then-just-under-1-year-old Boxer. We mainly chose Embrace because they cover the cost of the office visit and they don't use a scheduled plan. Immediately, I was impressed with the customer service communications from Embrace, just in setting up the paperwork. Then, a few weeks ago, we submitted our first claim. Again, the customer service was amazing. Upon receiving our claim (which we were able to e-mail to them as a PDF scanned on our printer -- so easy!), they e-mailed us to say they'd have a response in 2 weeks. In 2 weeks, to the exact day, they emailed to apologize for taking so long, explaining that they were switching over to a new computer system and that it would be 1 more week. I was very impressed that they even bothered to keep me in the loop! The other day, I got the refund. The attached Explanation of Benefits was clear and easy to follow. The refund was exactly what we were expecting, which is to say, awesome. For us, it made sense to get pet insurance, and I'm very glad we chose Embrace.
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.
