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.
I have three pets/performance dogs insured with Embrace and they have been to the letter in upholding their commitment and have been most helpful when I have had a question or needed further explanations. I feel I get what I have paid for and have never had pet insurance before as I felt it was too restrictive. These folks give a good service!
5
out of 5
POSTED:
| BY: Terry
Extremely effective
Great service
5
out of 5
POSTED:
| BY: Susi
Sterling service!
We adopted a sweet cat who I couldn't believe didn't already have a home. He was so clean, shiny, well fed, loving, and friendly that I was sure he belonged to a neighbor. After putting up posters and going door to door, and checking all the lost pet listings for weeks, there were no matches or takers, so he became ours. When he later came down with pancreatitis, weight loss, and early renal disease, it was so wonderful to have Embrace Insurance because his office visits, labs, and scans were covered and so were his medications which he still must be on for the near future. But he is now getting better, gaining weight again, and we didn't have to sweat the costs or debate whether we could do our best by him. Embrace processed his claims quickly and has given us peace of mind. So worth it. When we get more pets, dogs or cats, they are absolutely going to be insured by Embrace. I highly recommend Embrace.
5
out of 5
POSTED:
| BY: Patricia
Efficient!
We had a hefty bill and it was handled deftly and all was settled nicely. Laura B. is a real professional and we appreciate her help.
5
out of 5
POSTED:
| BY: Maggie
Responsible claims processing - and good service
This review is after my first claim experience with Embrace. First I called Embrace customer service and they reviewed the process of submitting claims with me. I later received email follow-ups updating me as to the progress of the claim. I found the Embrace website portal for claims submission very easy to use. The process was very easy and followed the instructions on the website and in the policy.
After reviewing my claim, it was denied. The information in the correspondence from Embrace clearly stated why the claim was denied. I had taken the necessary steps to provide the baseline documentation to Embrace when I became a customer. I found in the policy that I could appeal a claim denial. Because of the explanation in the initial claim denial, I was able to determine exactly what Embrace needed that what missing in order to support my claim. I obtained the documentation needed from our vet and submitted it to Embrace for re-evaluation of my claim.
The policy states Embrace has 2 weeks to review an appeal. I was pleasantly surprised that they reviewed the supplemental documentation I provided within 24 hours, reversed the denial and covered my dog's injury exactly as per the policy I purchased.
I have been around the block a few times and know that insurance companies must be careful to avoid fraud in order to keep premiums low. The dialog with Embrace was very professional. Based on my experience, I recommend Embrace for pet insurance.
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.
