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 submitted the receipt from our vet visit after my pup was sick three weeks ago. For some reason Embrace wants vet notes from her exam on January 8th. Embrace could not explain why they needed this information. Embrace seems to be doing everything it can not to cover pets and reimburse us.
ROCKY’S INSURANCE COMPANY, EMBRACE
Our family poodle, Rocky, was diagnosed with renal failure while he was still only a puppy. Still, in spite of the inevitable terminal outlook for this disease, he has managed over the last 4 years to live an active, happy life. Even now with 70% of his kidneys no longer functioning, according to his vets, he shows no outward signs of the disease. He remains our companion on our daily walks, morning and evening, and the unofficial greeter down at the local tennis courts, where everybody knows his name, and he can’t get enough petting and frisbee catching.
In all this time, Embrace has been his insurance company. You have covered his hospitalization and medical bills promptly, without attempts at cost cutting, or second guessing his medical care—care that has totaled in the thousands of dollars. Your standing by Rocky this way has enabled him to live out his life to the fullest. You have my highest recommendation.
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.
