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.
My dog has had Embrace insurance for about three years now, and I haven't had a claim up 'til now. I felt like it was taken care of quickly, despite their warnings that they were backed up at the time, and everything was very smooth. I didn't feel like I had to jump through too many hoops, the claim process was relatively painless, and the reimbursements came through as promised. No surprises when it came to the deductible, co-pay, or what was covered. Very happy with my first claim experience.
5
out of 5
POSTED:
| BY: DJW
Great Coverage
I have Embrace Insurance for my 4 dogs and so thankful I do. Embrace has been wonderful and enriched benefits for our loved pups. The Wellness coverage is wonderful and for Illness -- it is PRICELESS. Embrace is a great provider, wonderful customer service, wonderful coverage!
5
out of 5
POSTED:
| BY: Karen Dion
Great Company and Program
After having 2 dogs who lived with expensive medical conditions (and horrific vet bills), as we got our 3rd dog I decided it was time to get Pet Insurance. After much online research, I choose Embrace - and after only 3.5 months I know without doubt I choose the best pet insurance company possible.In addition to illness and accident insurance, I also purchased Embrace's fantastic Wellness Rewards program. For an additional premium of $300, I have already been reimbursed for the full annual coverage of wellness items - $400. It's an extensive list that covers wellness exams, vaccines, heartworm medications, spay/neuter, prescription dog food, and more.
I can't say enough about Embrace, their excellent communications (emails as soon as they receive a claim; an update while it is being processed; and a follow up after the check is mailed) and their outstanding service. I recommend this company to anyone with a pet.
5
out of 5
POSTED:
| BY: Gwyn Baumgartner
MNikki the Peke, Cushings, and Embrace
Nikki under went a series of tests. She was not feeling well...but had all the symptoms of Cushings. With an ultrasound, blood work, ACTH, xrays the bill became large quickly. With Embrace i could go home with Nikki and worry about her...not a huge credit card bill. Thanks to embrace. They paid the bill 100 percent less deductible. There was no quibbling over it. Embrace keeps you informed of the status of the claim! The people are great working with. Embrace seems to be the insurance plan to go with. No problems at all. My dogs are everything to me. Embrace is not cheap....but neither is health care. With embrace, you get what you pay for: honesty, responsiveness, caring. And peace of mind.
5
out of 5
POSTED:
| BY: Janet Yurcik
We LOVE Embrace!!!
I encourage all pet owners to get Embrace! You really don't think about it when your pet is healthy, but once something happens, you will be so grateful that you have it. Not only did Embrace come in handy when my dog had some minor issues over the winter (simple blood tests, but still costly), but when we got my dog's cancer diagnosis over the summer, all I could say over and over again was "Thank goodness we have insurance"! If we didn't have it, there would simply be no way that I could have been able to afford any of my dog's treatments, and we would be fighting a losing battle. Because of Embrace's awesome cancer coverage, as well as their coverage of holistic therapies (something we strongly believe in to support his other cancer treatments, which many insurance companies do not cover), we know that we can explore all of the treatment options that are available to us, and get my dog the best possible care. I've had to call a couple of times with some questions, and the customer service has been AMAZING each time. Super helpful, friendly, and exceeded my expectations. I cannot recommend this company enough. I admit that there were times that I almost dropped his insurance because times were tough and my dog was healthy, but now, I am so happy that we kept it. That small monthly premium is nothing when you are faced with huge vet bills to care for your dog, and the peace of mind knowing that you can afford to give your pet the best care-totally worth it! It's hard for pet
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.
