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.
DrSandra O'connor with Cedarwood Animal Hospital gave a brochure for your company while I was in her office and explained how everything on the program worked I took the wellness plan and am very pleased with the service so I will be adding all of my animals and I will probably sign up for the insurance.I have recommended Embrace to everyone I know that has animals.
2
out of 5
POSTED:
| BY: D.
more care by reviewers
Initially the reviewer of my claim denied it as not covered, forcing me to call the phone center. During the call and after review my claim WAS covered. Clientele frustration levels could be lower if the reviewers would take more care instead of arbitrarily declining.
5
out of 5
POSTED:
| BY: Christina
You CAN Love An Insurance Company
EMBRACE is everything you wish any company to be. True to their word; helpful; kind; quick; excellent; easy to contact; great online; easy to get info live or online; I could keep going on. When I have a serious issue and call--they are so caring!! They care that my dogs are all healthy and ok--and quickly. This is the role model for every company!! THANK YOU SO VERY MUCH EMBRACE!!!!!!!!
5
out of 5
POSTED:
| BY: Gay
Excellent choice for pet insurance
I have written great reviews previously, so I will mention a couple "new" experiences. Recently, we added another dog and, because of an error on my part, we needed to tweak the policy. The customer service was AWESOME! I have had great experiences with Embrace customer service before in the 2+ years we have had them, but this was so above and beyond!Have never experienced service like that ever and I am in my 50's. One other thing for people reading reviews and trying to decide what company to go with, etc.....I would highly recommend having the claims team review your pet's medical history as soon as you get the policy. Otherwise, they do it when the first claim is filed and that really slows things down. And, be aware, the biggest disappointment is having a pet with "pre-existing" conditions which means a repeat of previous issues, however, indirect, will result in no coverage. I think this is fairly common with pet insurance, but something to be aware of and check out ahead of time. If your dog had just a TINY cancerous growth removed previously, you will not be covered for cancer in any form. Lastly, one of our dogs has had cancer surgery THREE times...all covered in full (after deductible) by Embrace. We were able to afford excellent board certified surgeon and oncologist (highly recommend board certified for cancer!) and Embrace paid exactly what the policy said they would! Never quibbled about the CT Scan we had to determine precise extent of soft tissue sarcoma. So, we highly recommend Embrace!
5
out of 5
POSTED:
| BY: Adrian
One of my best decisions
I purchased insurance through Embrace a few years ago after an acquaintance of mine lost her dog to cancer. I decided that I needed to find insurance for my pet because I did not want to have to face a tough decision of having to consider cost more than my dog's health. Presently, this has proved to be a great decision. The best example being a $7000 surgery for my dog a couple weeks ago. Embrace worked with me in that difficult time and were very polite, honest, and helpful. I am extremely appreciative for their service and professionalism. I recommend to anyone that truly loves their pets.
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.
