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.
Thank You for your prompt payment on my wellness claim for Essie. This is my first claim and I am very pleased with how easy it was. I feel so lucky to have found your company.
5
out of 5
POSTED:
| BY: Valerie G.
peace of mind
I'm a new customer with two kittens. These boys had quite a bit of work done(neutering, microchipping, vet check up's. Because I had these things done, my Embrace monthly bill was reduced nicely. I got my claim $$ in a few weeks with several friendly emails. I'm going to like doing business with these people, I think.It's great peace of mind for me to know I'll have financial help, and I'll never have to choose between going to the vet and having enough money to survive.
5
out of 5
POSTED:
| BY: Mike J.
Quick, Pleasant, and Accessible
We recently sent in a claim to Embrace and received our payment quickly. The staff communicated with us during the process and followed-up with us afterwards to ensure our satisfaction. I was able to predict almost exactly how much our payment would be simply based on what I understood our coverage to be. The detailed explanation was also very clear and easy to understand.
5
out of 5
POSTED:
| BY: SB in
Excellent
I will admit I had reservations-you read so many negative reports about pet insurances. But, since I now have 3 rescued shelties and 2 rescued mixed breed dogs, I felt I might need some help with medical bills so I would take the chance with Embrace. So far, I have not been disappointed.
I have found Embrace to be straight forward and to do all they say they will do. Only one of my shelties has needed much in the way of medical help so far but his bills have been pretty high-to me at least-and Embrace has reimbursed me all expenses minus my copay(20%) and deductible.($500-wish I had lowered this amount when I took out the policy) No hide and seek when it comes to what is/isn't covered. They give you an itemized list of everything. Another good thing is, my claims have been settled quickly.
A bit of advice...When purchasing the insurance, it is to your advantage to get the max coverage amount-10K-since any "on going" or "continued care" issues will only be covered up to 25% of whatever your elected max is. ($2500 if you chose 10K) Since my dog has an on going issue that was discovered in the previous policy year, I am glad to know $2500 of the expenses will be covered after my deductible and copay. No, it is not 100% of my money back, but it sure helps! Also, if you can, choose the lower deductible from the beginning. You do pay a bit more, but in the long run, it will be worth it.
As I said, I don't know what the future holds, but at this point, I would highly recommend Embrace!!
5
out of 5
POSTED:
| BY: Shelly
Outstanding!
Excellent insurance company with wonderful coverage and outstanding and fast reimbursement. They are caring and have been wonderful to work with and we never worry about the financial aspect of our dog needing medical attention. What a huge relief and wonderful safety net. We're very thrilled we chose Embrace coverage.
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.
