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.
I encourage all pet owners to get Embrace! You really don't think about it when your pet is healthy, but once something happens, you will be so grateful that you have it. Not only did Embrace come in handy when my dog had some minor issues over the winter (simple blood tests, but still costly), but when we got my dog's cancer diagnosis over the summer, all I could say over and over again was "Thank goodness we have insurance"! If we didn't have it, there would simply be no way that I could have been able to afford any of my dog's treatments, and we would be fighting a losing battle. Because of Embrace's awesome cancer coverage, as well as their coverage of holistic therapies (something we strongly believe in to support his other cancer treatments, which many insurance companies do not cover), we know that we can explore all of the treatment options that are available to us, and get my dog the best possible care. I've had to call a couple of times with some questions, and the customer service has been AMAZING each time. Super helpful, friendly, and exceeded my expectations. I cannot recommend this company enough. I admit that there were times that I almost dropped his insurance because times were tough and my dog was healthy, but now, I am so happy that we kept it. That small monthly premium is nothing when you are faced with huge vet bills to care for your dog, and the peace of mind knowing that you can afford to give your pet the best care-totally worth it! It's hard for pet
4
out of 5
POSTED:
| BY: Scott H.
Wellness claims paid, illness claim denied
Recently had wellness and illness claims for our dachshund puppy. The claims processing was a bit slow but we did receive e-mails with updated status. The illness claim was denied due to uncertainty over whether the symptoms were due to a pre-existing condition. Would prefer not to have to appeal (would have helped to know what tests were needed before the claim was submitted) but the claims representative was clear in what we will need to provide for the appeal.
5
out of 5
POSTED:
| BY: Claudia Guevara
Best customer service!
Fortunately, i don't have to call embrace too often (healthy pup so far). But the few times i have called, everyone I talk to is extremely helpful and very nice. They are also very quick in responding to emails which I find very convenient!
5
out of 5
POSTED:
| BY: Holly Goldman-Craig
Thank goodness for Embrace!
Our dog injured his back and Embrace has been wonderful in handling the claim. It was very scary, leaving our dog at the emergency clinic on a holiday weekend and worrying about the large vet bills to come. Our dog is now currently in rehab and Embrace has been a huge relief to us. Customer service has been great - Embrace has stayed in touch while they had delays due to a new computer system, but have paid everything per our policy. I am very thankful we have this coverage and I have and will continue to recommend them to our veterinarians and other pet owners.
4
out of 5
POSTED:
| BY: paula
Positive experience
So far I have only had normal yearly exams and Ebrace handled things very professionally and have been very friendly, the only minor complaint I have is that it took about 3 weeks to process other than that I am glad I 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.
