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 have had Ebrace for years for my dog, and recently have had multiple claims for illness and surgeries. Even though some of the claim outcomes were disappointing (periodontal/ tooth infections not covered as an illness apparently, and a supplement that was covered previously will no longer be covered),the claims and customer service staff were always very prompt and attentive, and always responded to my questions and provided explanations with courtesy and kindness. Overall, I am still happy with Embrace, and will continue to refer them as the best pet insurance available.
4
out of 5
POSTED:
| BY: Alyssa
As Claimed
I am new to the world of pet insurance, having resisted for the first few years of my Shih Tzu/Pomeranian's (That's Shiranian, thank you!) life. But I am so glad I made the investment in my pet's health. Just after purchasing, my poor pooch experienced a bout of gastroenteritus. Luckily, after the usual tests, nothing unusual appeared - no parasites, etc. Then a few months later, again she experienced similar symptoms and a bigger vet bill. I filed my claims diligently, and while there was some issues getting the vet practice to fax over her entire file, Embrace stayed on it. Then just a few weeks ago, my baby had her worst bout yet...vomiting up coagulated blood! I rushed her to the vet for emergency care, amounting to xrays, bloodwork, and several medicines to soothe her defiant gut. Colitis due to diet, and a $650+ bill! Despite the annoyance of a vague diagnosis (yet relieved she is fundamentally healthy dog), I am sure glad that after meeting my deductible with this visit, and paying my 20% copay, Embrace, true to their word, reimbursed me $384! And thank goodness too, as the holidays are upon us. I am pleased with the personal, professional service they give, and feel much more confident knowing that should anything truly disastrous occur (which it WON"T!!), they will be there to assist.
5
out of 5
POSTED:
| BY: Evalynn Hyra
Wonderful coverage and service
I signed both my dogs up for the "catastrophic" coverage ($1000 deductible) plus Wellness, which is a very good deal. Embrace customer service has been excellent, and payment for claims has been prompt. I highly recommend Embrace, which I selected after my veterinarian told me about it and I compared it to other insurance plans.
1
out of 5
POSTED:
| BY: Sue Snead
Worst experience ever.
Would not recommend this company to anyone. Continually asks for same information, over and over. Vet faxed information over 4 times. When Embrace could no longer deny they had the vet information, they then said they did not have copies of the claims. Claims miraculously appeared and then they came up with excuses not to cover the expenses. Claims took EIGHT MONTHS to handle.
5
out of 5
POSTED:
| BY: Gayle Staner
Prompt Response/Excellent Service Everytime
I have been a customer for over a year. Every claim submitted is paid timely. Turn around is so fast. This morning I received an email stating our claim was received. This afternoon I received another email stating my claim was processed & I could expect payment in 2 days. Even during normal processing times I would get email updates. Embrace has been a fantastic company with which to work.
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.
