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 insured our Cavaliers , an 11YO, 7YO, and 2 1/2 YO brother and sister, since the stork brought them as puppies.
When an unexpected, major, life threatening, medical issue arose with the oldest , BLESS EMBRACE, for their veterinary consultants knowledge, immediate response with an approval, and reasonably quick reimbursement, during the diagnostic and surgical phases. I only wish they incorporated direct pay as a policy.
If your breed has known medical issues that you have to be vigilant for, and despite using an ethical breeder who have AKC CERTIFICATIONS going back generations, any moderate to very serious issue, will cost 4-5 figures to treat. Their 90%, $15K policies, is a life saver when that unexpected issue occurs!. I can’t begin to tell you how many times I’ve heard dog owners say, “ I had to put him/her to sleep, because I couldn’t afford the simpke, that can costx4 figures, , but lifesaving, treatment, because I didn’t have insurance”….translated as, “I didn’t want another monthly expense.” Yes, a measly monthly expense, that doesn’t even come close to what you throw out on pure none sense, every month.
I've used Embrace for years. Their terms are pretty standard, their customer service is outstanding, their representatives are very nice to work with and conscientious.
They find loopholes to get out of paying for claims that should be reimbursed. Nearly every claim comes back denied, even if my policy clearly states it should be covered. They consistently tell me they cannot get ahold of my veterinary office when I know this is not true. They use this as an excuse to not provide reimbursement even when I have proof that my vet responds to them promptly and gives them everything they need. Their definition of pre-existing conditions is a joke. My vet says they see Embrace deny more claims than other companies. I wish I would have asked them or done more research before choosing Embrace. Big lesson learned, I highly advise against going with this company. Read the reviews on Better Business Bureau for more accurate reviews.
On 6/15/23, my Service Dog was seen at an Animal Emergency for a foreign body ingestion. I was advised by my claims adjuster, Taylor VanCamp that my claim had been approved in writing (attached) with the breakdown of payments and Explanation of Benefits at approximately 2:41pm PST. Please note, however, that I am highly perplexed after just received yet another email from Ms. Taylor VanCamp (after being advised that she was not in the office today) advising me that my claim is now "Pending", after receiving an Approval email yesterday indicating my claim for Cammi's foreign body ingestion has been paid and that I would receive said reimbursement within two (2) days. I am attaching this Approval email from 6/15/23 for your reference as well.
I was then told by Ms. Jenna Mahan that Embrace can “correct their error” to start this process again even after I was advised my claim was approved and refunded the claim costs. At this time, I must once again request this matter's immediate attention and resolution, as I have been attempting to reach Ms. VanCamp via telephone this morning as well as Ms. Jenna Mahan -- to no avail thus far. As such and as previously advised, this matter remains grossly unresolved and time-urgent, and I must request said matter's resolution as soon as possible, as I pursue the aforementioned assistance with media Consumer Protection Advocates to ensure that my rights are protected, and that my beloved Service Dog's coverages are honored in full and urgently. It is utterly appalling and unacceptable that this company would approve my claim in writing and then renege on this — meriting urgent resolution and full approval of said claim prior to all aforementioned actions. These insurance companies need to be held accountable for this abuse of its paying customers and I request urgent resolution as a result of the distress caused by this neglect. Thank you kindly in advance once again for your expedient attention to this ongoing and highly distressing matter, and I look forward to speaking at your earliest convenience to ensure this matter's full resolution and closure.
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.
