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.
Prompt Claim Service, covered what the policy said it would. Read the fine print folks, I did. I read what was and wasn't covered, and did a lot of shopping in the two weeks after I acquired my new Yorkie puppy. I narrowed it down to two carriers and signed up with both, continued to read and research, and then at the end of the 30 day evaluation period, chose one and cancelled the other. I read the reviews on each, listed to others complaints and made sure not to make the same mistakes they did. I took my new puppy to the vet within two weeks of signing up, got them to fill out the orthopedic review form, and then at the end of the 14 day waiting period for accident/illness had my vet sent over my pets complete medical records to Embrace and requested they review her history for any pre-existing conditions and advise me of their findings, exclusions if any. After that, I signed up for direct deposit reimbursement, any claims I needed to file have been acknowledged within 7 days and reimbursed super promptly within the next 5-7 days, no muss no fuss. My vet sends me a receipt before I leave their office, I pay them and I get home, log in provide the receipt from the vet showing what they did with line item detail for cost/treatment and in 13 days or less I receive an email advising me my claim is settled and to log in and see the result. After 60 days and multiple claims for wellness/illness/injury, all has gone smoothly and I am glad I bought the Embrace Accident/Illness/Wellness coverage for my new puppy. So short answer, read the fine print, know what is covered and what is required to be reimbursed, follow the directions and choose Embrace. I am happy and would choose Embrace again.
Embrace works very quick and the representatives that worked with me were very knowledgeable. Their customer service was easy to contact and quick to respond.
The representatives at Embrace really care about all of your family members, especially the furry ones that we have. They are caring, professional and responsible. When our cat was diagnosed with cancer, they came to the rescue. She is receiving the appropriate care because of Embrace. Thank you
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.
