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 was very hesitant about pet insurance because I wasn't sure if it would be worth it or not, and I must say I totally love it! I've had amazing service with Embrace! Quick response times to all my emails and claims and filling a claim is so unbelievably easy.
I love the wellness riders, that's why I chose Embrace and I'm so glad I did!
5
out of 5
POSTED:
| BY: Luis and
We can't thank you enough!
On behalf of our girls, thank you so much for ALWAYS being in our corner! The processing of claims and reimbursement is fast and efficient! Everyone we've ever come in contact with at Embrace has gone above and beyond!
5
out of 5
POSTED:
| BY: Jen Labbe
Grateful
I could not have given my fur babies the care and attention they needed withouth Embrace. Over the years, my cat remained quite healthy, while my dog suffered completely random and unforeseeable accidents or illness: punctured iris (happened before I rescued but noticed it as soon as I brought her home), urinary issues, oral braces because her bottom k-9 was growing into the roof of her mouth, shoulder tendinitis, and the most significant was a compressed disk that prevented her from walking, among other gastrointestinal issues. With the back surgery alone, I received all the premiums I had paid up for 5 years to that point, for both my pets. My insurance paid for itself. And if that isn't enough, Embrace, for all my claims, was quick to notify when they received a claim, when it was processed, and when and how to much to expect my reimbursement. The process never took more than 4 weeks, on the long end. Earlier this month, my cat passed away. I received condolence emails, as well as a virtual candle lit in my boy's memory, from Embrace. I appreciate all they have done for me and my fur babies. <3
5
out of 5
POSTED:
| BY: Claudia Ionescu
Excellent service
Once again very happy with the way Embrace has handled my claim. I ve been with them for over 5 yrs now, all my 4 kitties. Every interaction with Embrace has been smooth, from claim submission to the payment itself. I never had unpleasant surprises regarding the coverage.
Thank you so much Embrace.
5
out of 5
POSTED:
| BY: Robin Aleszczyk
Timely Claims Service and Affordable
My male outdoor cat had a very high fever. He refused to drink or eat. The vet saw him that very same day. There were numerous tests that were done to determine the type of infection. My cat was given a shot of an antibiotic.
He was given an oral antibiotic as well as something to sooth his stomach. It took a week for my cat to get better but he is up and running. Apparently, in our area, there were raccoons that were carrying some type of virus that was making dogs and their owners ill.
The vet submitted the claim to Embrace. I received an email from Embrace that they received the claim and would process it within 10 business days. As always, the claim was processed sooner than that and my reimbursement check was in my mailbox.
We have used many pet insurance companies in the past but Embrace always has an explanation of benefits that is easy to understand. Other pet insurance companies have changed month to month what is covered. Embrace is reliable and affordable.
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.
