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.
Embrace allows me to worry about my dog's helath, and not how much is this going to cost. It is an extremely relaxing peace of mind!!! My Beagle Ace will never have to worry about us saying "Should we wait, maybe he will get better" We now have help to give him the first rate care he needs. Great Company.
Thank you Embrace:)
5
out of 5
POSTED:
| BY: Cathi A.
Fast and easy claims processing
I submitted my first claim to Embrace and wasn't sure what to expect. I received a request for some additional information which I was more than please to offer. It took me a little while to get the information together, but the claims representatives stayed on top of things and did not let anything fall through the cracks. Once the claims dept. received the additional information the claim was processed immediately and I had the check in my hand in just a few days. I was very impressed.
5
out of 5
POSTED:
| BY: Linda Bryant
Very Thankful for Embrace
I have never bought pet insurance before, but will always do so in the future.....very quickly. Embrace was recommended by our pup's breeder and so I signed up very shortly after bringing our puppy home. A month after we had him, he had an expensive leg injury and we are so thankful we had the insurance behind us---we had enough to worry about without having to worry about the cost too. Embrace does a great job of responding very quickly....communication is great....and the claim processing was done within the 15 days they promise.
5
out of 5
POSTED:
| BY: MBMH
Very pleased with Embrace
We signed up for Embrace pet health insurance based on the recommendation of a friend. While we have no other experience to compare it to, we've been extremely happy with the reimbursements, communication, and client service Embrace has provided us with. I'd recommend them to anyone.
4
out of 5
POSTED:
| BY: Carl Yamamoto-Furst
Great company, but not flexible
Pet insurance companies engage in the type of health insurance Erin Brokovitch fought against when the only type of health insurance for humans was non-PPO make-a-claim-that-we-then-deny style of insurance.
I am very happy to report, however, that I have not experienced this from Embrace. Their staff is very helpful, they stick to their policies and they are prompt with their benefits. Pretty much all of what we received has been according to what their policy says.
However, as such, they are not flexible and this is where Embrace shoots themselves in the foot and inconveniences their customers.
My Dog Lulu had some masses on her breasts that needed to be removed. The vet, to save money charged us for a Dental Treatment. The reason for this was because in the dental treatment they use the same anesthesia, they clean her teeth and they charge $200 less. So the idea was to charge for a Dental Phraxis (Pyraxis?), clean her teeth and at the same time remove the masses (they were small and near the surface; not a very invasive surgery). However, Embrace would not cover the dental procedure, not even with the wellness allowance that we have. This is legit and its very clear in their policy that they don't do this.
This means however that to receive more coverage I should have forgone the dental treatment, thus reducing the amount of care my dog received, submitted a claim to Embrace for a larger amount and paid less out of pocket. In this scenario, I win, everyone else,
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.
