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 insurance is definitely worth the price. I purchased a basic annual plan from Embrace for $500, which covered my 10 month old puppy for only accidents and sickness.
Just three weeks later, I was informed my puppy had Entropion. She received corrective surgery just days later. I submitted my claim to Embrace and received an email, directly from the Embrace representative assigned to process my claim, who provided me with the status of my claim. In just two weeks, Embrace completed my claim and deposited my 80% reimbursement directly into my bank account.
Just a few months later, my dog was seriously injured by a car. Her injuries required emergency care, an MRI, CAT scan, several specialists, and medical follow-ups.
I again went through the claim process, outlined above, without hassle. In fact, the Embrace representative handling my claim even took the initiative to inform me of the variety of physical therapy options that were covered by my insurance plan (including acupuncture).
Needless to say as a first year policy holder I managed to rack up quite a large reimbursement bill for Embrace, roughly $10,000 in total. So I sure that that either I would be dropped or my annual premium would be substantially raised the following year. To my surprise, Embrace offered me a renewal for the exact price I had paid the previous year. Needless to say, Embrace has vastly exceeded my expectations.
5
out of 5
POSTED:
| BY: Cindy Flowers
The only insurance company I would use
We are owners and breeders of Newfoundland dogs. We currently have 10 dogs living in our house. We had looked into buying health insurance for our dogs a few years ago, however none of the plans would allow me to pay an affordable amount for a high deductible ($1000). We had hoped that buying insurance on my dogs meant that we would never need to use it. Unfortunately, about a week after our waiting period on of our girls developed pyometra (infection of the uterus). Her case was very severe and required over $7000 in surgeries and intensive care. I was just notified by email that the claims we have submitted will be paid. Thank you Embrace, our girl is doing great. We had excellent vets and now we are breathing a sigh of releif that we made an excellent choice in choosing Embrace pet insurance.
5
out of 5
POSTED:
| BY: corinne freaney
personal touch much appreciated
i don't know any insurance, people or pet, that drops an email to check on how my pup is doing. embrace does that, and more. my petunia suffers from allergies, and embrace has been very supportive of her treatments as my vet and i get her on a routine with meds and food so that she can live a relatively normal life. she is a sweet dog; i hate to see her not feeling well, and embrace "embraces" her with their personal touch. much appreciated, embrace, and all you "embracers".
5
out of 5
POSTED:
| BY: Pia V
Friendly and caring
I just want to say thank you Embrace! We had a diffiult 2 weeks with our pug being sick with Perivulvar Dermititis and not getting diagnosed correctly nor the right treatment at first.. The way the claim was handled at Embrace gave the whole nightmare a happy ending. Will keep on recommending Embrace to every pet owner I talk to!
After our Snoopy (yellow lab) passed away from cancer we decided that with our next pet we would purchase pet insurance. We did a great deal of cost comparing with different insurances and Embrace gave us the most coverage for our money. Our Vet.. (Cooke Vet Medical Center..Va. Bch. VA) had a brochure in their office detailing Embrace's policy. From the moment Marbles (yellow lab) arrived at 3 months old Embrace had given us excellent service when filing his claims. The customer service we receive via phone or e mail is outstanding. Embrace goes out of their way to explain benefits and claim coverage. The speed of reimbursemts with Embrace is the best. Not only is it fast but they let you know when you should be receiving it. What a tremendous comfort it is knowing that in today's trying economic times that there is a pet insurance company like Embrace that helps us with our pets needs. Thank you to everyone at Embrace for your outstanding customer service. It is greatly appreciated.
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.