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, responsive customer service and personal attention.
Warm and sincere staff. Loved being able to talk to a real person every time I called. Claims were handled promptly and they were very simple and easy to submit.
5
out of 5
POSTED:
| BY: Patricia
This pet insurance coverage is straightforward, generous, affordable, and customer service is outstanding!
We've always hesitated to purchase pet insurance on our dogs due to mixed reviews on claims actually getting covered, and it always seemed so complicated a process. We finally decided to research again in order to get our six-year-old lab mix covered. I spoke with a friend who was very pleased with Embrace, and we went for it. Best decision! Very soon after we purchased the policy, our fur baby was diagnosed with two neurological conditions - one acute, one chronic - and everything has been covered - from doctors' appointments, MRI, labwork, to acupuncture, laser therapy, physical therapy, hydrotherapy, and now (unfortunately) surgery. I am not exaggerating when I say I honestly do not know what we would have done without this policy. We could not have afforded all of this wonderful (and necessary) care for our youngest son, who happens to be a dog ;-) The customer service has been stellar - always friendly, professional, helpful, and fast! (Claims and pre-certifications get turned around impressively quickly; emails and phone calls are answered immediately). I really like how we were able to build our own policy, simply choosing the amount of coverage per year that we felt comfortable with, the amount of the deductible, and whether we wanted prescription and well-care coverage. I only wish human health insurance could be this simple, affordable, and effective!
5
out of 5
POSTED:
| BY: Debra
So grateful for this insurance!
This company has been incredibly responsive, empathic, and helpful with all of our confusion in the process to find a diagnosis and treatment for our dog. After being at the vet constantly after finding a mass on my dog's spleen, they have been incredibly supportive and have followed up on any claims that needed further attention. It has been a huge relief knowing I could proceed with whatever testing and treatment I felt was necessary.
2
out of 5
POSTED:
| BY: Mark
Might be better to just put $100 per month into a savings account
After paying monthly to Embrace for many years and just recently having some issues with my dog, i think looking back it would have been better putting that money in a savings account for when we needed it. Now when you need it, they take the deductibles and say that some of the Rx needed is not covered and on and on. Then you have to wait for processing. I would have come out ahead with the savings account method and that is what i think i will do in the future. My dog has been pretty much free of issues for years. But this last issue cost me about $1600 and I’ll get back maybe $770 or something like that. That said, I would have rather had the whole amount in savings especially for this purpose and been done with it. I guess it’s all a matter of choice.
5
out of 5
POSTED:
| BY: Ronald
Very good service and prompt on my first claim.
I am well pleased with the service on my first claim. It was prompt.
Thank you.
Ron
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.
