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.
In today's world it is unusual to find a business or company that actually lives up to what it claims to do. Embrace is one company that does!
After having my "heart dog" die several years ago from complications of surgery for pancreas issues I never wanted any more dogs. It hurt too badly to lose him and besides, giving good vet care is horribly expensive. Our dog's two surgeries and ultimate care cost us thousands of dollars.
Well, as you might expect, we do have another dog, in fact we have FIVE dogs, all rescues that were abandoned, about to be euthanized and were homeless. So, in light of or previous experience, I thought I would check into pet insurance.
So many pet insurance companies are awful... there are loopholes, this isn't covered, that is an exception, sometimes they are hard to figure out what is covreed and what isn't, etc. I heard countless stories of people who were very unhappy with their pet insurance and ended up dropping it. Then I found Embrace. It almost sounded too good to be true but I thought we should try them. At that point the dogs had no health issues we were dealing with but I wanted the insurance "just in case."
Sure enough, out of the blue one of our shelties developed a heart issue, then a possible kidney issue. We needed a vet cardiologist, special tests, echo grams, ongoing follow up care, etc. Each time, Embrace covered the cost (minus my selected deductible amount) with no haggling, no confusion. Fast, pleasant, easy.
5
out of 5
POSTED:
| BY: Heather Kelly
Great communication & Super Please so far
I have a new puppy and from my older dog I learned pet insurance was a NECESSITY, not an option. After reading the reviews I went with EMBRACE and so far am VERY pleased with my choice.
The process has been very easy and payments very quick. My vet (Governor Animal Clinic in San Diego, CA) deserves a mention since they have completed all of my paperwork and made the process even easier for me!
I am super pleased so far and am hopefully the process will continue to be as smooth as it has been.
1
out of 5
POSTED:
| BY: Dale Ann
never enough reimbursement to satisy
Every time we have a big bill from our Vet, it turns out hardly any of it is covered by Embrace. Very frustrating to say the least. Its all in the exact wording by the Vet himself. If there is even the tiniest chance there could be some association with anything pre-existing, or if a physical exam for say dermatitis also included some regular wellness exam procedure... then POOF- there again we have lost our chances of getting a deduction! This has been going on for over a year now! Very very very frustrating. The dog has had like 4 exams for varying problems and every time Embrace manages to weasel out of paying, because it looks like a wellness exam or some fluke possible thing from a "possible" tick (which there wasnt even any proof of...) on and on and on.... I am glad others have had some good luck, but definitely not us.
5
out of 5
POSTED:
| BY: Mina Yindra
MUST HAVE!!!
THE BEST, I KID YOU NOT, THE BEST THING I HAVE EVER DONE AS A PET OWNER IS GET EMBRACE INSURANCE. I have owned dogs all my life and they can always come up with some unexpected health issues, no matter what the age or type of dog. Since I have had Embrace, they have covered a rough onslaught of medical conditions that neither of my rescue dogs were ever forseen to have- and Embrace did it without ever objecting, making my life difficult, or capping benefits. The payments are prompt and the people there are delightful to deal with- they take a personal interest in your dog and they always follow-through on being sure you received your money. My one dog, only 1 1/2 years old, recently went through approximately $15,000 in medical expenses for an unknown illness that was causing her to waste away. Because of Embrace, we were able to pursue all the treatments she needed and she is now recovering, happy and healthy again. In addition, the specialists found two conditions that we can now do preventative treatment for so they never become a large issue later in life. This on top of the more than $10,000 they have put out on my other dog who needed extensive oral work and ended up with a neurological disorder, another young dog. I am so fortunate to have spent the time researching these pet insurance companies. Embrace is the one and only who will cover you for everything, do it completely and do it with a smile. Unbelievable blessing for those of us who love our furry famil
4
out of 5
POSTED:
| BY: Laura R.
Prescription Coverage
I was very pleased with the initial communication with the Embrace staff and after Ellie's first accident.It seems that prescription coverage is an additional cost even if there is an emergency.
My dog doesn't require daily prescription drugs however she was bitten by another dog which required stitches and an antibiotic for wound care at the cost of 537.00. The cost for the drug for this claim was not covered. I am still very unhappy about that incident. I have also been comparing other companies and their policies before I renew with Embrace for the following year. Not sure I would recommend Embrace to other pet owners.
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.
