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.
The worst insurance ever….5 years ago my daughter was playing with our dog on a trampoline and he fell and injured his back leg. He had an emergency X-ray and treatment which they refused to pay stating that he has a chronic condition.
In my medical education a fall is an accident which is defined as ACUTE and no chronic.
Plus, it takes forever to get reimbursed even for flea & tick, heart worm medication.
I use Natonwide for my other dog and 48 hours for a claim to be processed and check sent
I have had my cats insured with Embrace for about 10 years. At one time, I had as many as five insured; now, only three are remaining. Embrace has been excellent. The representatives are very knowledgeable and friendly; also, my claims are always processed quickly. I've been very satisfied with Embrace and highly recommend.
Unfortunately, our dog had two emergency visits within a week for foxtails. Embrace approved coverage of both visits and reimbursement was fast via direct deposit.
This company doesn't follow their own terms & conditions.
I purchased Embrace policies for my two cats, one of whom had eye damage from an infection as a baby, before I adopted her. I was of course aware of this condition and understood that any complications related to the previous eye damage wouldn't be covered by Embrace.
Then my cats got into a fight, and my kitten sustained a new, unrelated eye injury. She had to have an eye removed, and then had a post-surgical infection. Throughout the stressful and expensive procedures, I took comfort in the knowledge that her bills would be covered by Embrace... until Embrace rejected all my claims.
Their argument is that this injury counts as a pre-existing condition, because my kitten's previous eye damage increased the RISK of complication in the case of another unrelated injury. This is based of their own assessments, not the opinion of the vet who actually saw my pet. But even more concerning is that this criteria does NOT appear in the policy.
In Embrace's own Policy Terms & Conditions, a pre-existing condition is defined:
"Pre-existing Condition(s) means:
a. A Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
b. An Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for
your Pet and any related conditions.
c. Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered preexisting."
This definition does NOT extend to any future, unrelated, new injuries where a pre-existing condition could have elevated risk factor or made a pet pre-disposed to future complications. It's simply not in the policy.
I have attempted to get clarity from Embrace representatives about what criteria they used in their denial of my claims, what future claims might be denied on these grounds, or to point me to where the policy mentions complication risk factor as determining a preexisting condition. The adjuster I spoke to, Taylor, insisted that she is unable to answer any of my questions.
I'm in the process of filing a second appeal, which will involve getting ahold of the ER doctor who saw my cat, since a letter from my regular vet who knows my pet best was not sufficient for Embrace.
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.
