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.
Thank You Embrace! It's so nice to know you are there in my corner with such speed in paying my claim . Your Email communication on keeping me informed from beginning to end was fabulous. The speed of service allowed me to float the money on my credit card and pay it back before the credit card came due. Its so nice to be able to make decisions of care for my "teddy" knowing I had embrace insurance. I will always have you for my animals insurance. I never ever had one problem over the years with your company.
5
out of 5
POSTED:
| BY: Rochea
Great & sincere customer service
The Embrance team has been super with communications. No matter who you speak with by phone or email, they are sincere & very helpful.
My claims are always updated & the coverage is easy to understand. After a lifetime of dogs, this is the 1st time we’ve had pet insurance & wont go without ever again. Bravo Team Embrace.
5
out of 5
POSTED:
| BY: Susan
You don't expect anything will happen to your loved 4 legged baby, but if it does Embrace makes it manageable financially.
Our mixed breed rescued Terrier is the sweetest girl on earth. When we first got her, it turned out she had kennel cough. Then, she got HGE. Just lately, she got into something she shouldn't have and had severe eye problems. In her short 2 years of life, our baby has been through so much! We are so very pleased with Embrace! They promptly reviewed all of the documentation from the hospital and doctor's, and paid. I wish my medical insurance was this good. Thanks Embrace!
5
out of 5
POSTED:
| BY: Joanne
Embrace insurance is dependable and fast isn’t processing claims
I highly recommend embrace pet insurance. They take pride on their business. Very easy to file a claim and they are fast in processing all claims . I am happy to have embrace pet insurance especially my dog can get easily sick due to allergies . I don’t have to spend so much money taking my dog to the veterinarian. With Embrace pet insurance I believe my dog is in good hands .
5
out of 5
POSTED:
| BY: Lee
Embrace Pet Insurance
I have been an Embrace policy holder for the last 4 years, and I have policies on both of my Bernese Mountain Dogs. While I will admit it is not "cheap" to insure two large dogs, as there are "cheaper" policies out there...I have found Embrace to be the best value long-term. I have set my policies so that Embrace pays approx. 80% of accident/surgical costs, as well as I have purchased the optional "Wellness" plan for both dogs. The cost of tick/flea prevention alone, which is covered, equals the cost of the wellness plans; let alone regular checkups and shots...so while I do not recoup "everything" for routine wellness, I DEFINITELY get my money back on the wellness issue. I have found the customer support to be excellent and immediately responsive. I submit my claims electronically and can count on receiving a reimbursement check within two weeks. I have yet to be "asked any questions" as to any claim I've submitted, (always with veterinary supportive documentation). The "major" reason I am staying with Embrace is, unfortunately, that Berners are extremely susceptible to various cancers, and Embrace will continue to cover those serious expenses at 80% when the time comes. I did not have pet insurance for my first Berner and the costs of fighting his cancer exceeded $9000, so I learned my lesson, so to speak. So...I signed my dogs up as puppies and will continue their coverage for their lives. I can say this insurance has more than paid for itself on an annual basis. Understand, you cannot just "sign up" your pet "when" they get old or sick...you need to do it, as with humans, when they are young and healthy.
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.
