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.
Have had a great experience over the last 15 years.
People complain about things not being covered.
READ what coverage you are buying BEFORE you purchase.
I have been with Embrace for over 15 years and have not had a bad experience. One dog needed an MRI on his head which was nearly $6,000 - they paid 80%. Another dog needed spinal surgery which was nearly $12K - they paid 80%. The current dog needed emergency care - they paid 80%. In all instances I was reimbursed within 14 days.
Read what you are buying so you won't be surprised. They have been fantastic for us.
Basically nothing will covered - expect everything to be denied. There is no true coverage, you will get reimbursed practically for the same amount of insurance you are paying for. Review your policy in detail prior to paying for anything. The process not complicated if you follow the instructions. But if you pet has any type of true need for insurance, other than the standard check ups, you will end up paying for it all out of pocket with this company.
I could not be happier with my Embrace claim experience.
I could not be happier with my Embrace claim experience. My 5-month-old Corgi puppy ingested a small amount of antifreeze last month. Thankfully, I got her to the emergency hospital immediately and they were able to save her life. The hospital bill was $4200+. Embrace approved all claims and paid them quickly, enabling me to, in turn, pay the charges on my credit card without incurring any interest charges. The claims submission process is easy and fast, and they pay promptly. My Embrace coverage is a sound investment.
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.
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.
