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 simply cannot say enough about this company! If only humans could have this level of customer service, care, premium cost and compensation!
Our dog was abandoned and 'walked' into our life with no collar and underweight. We hadn't had a dog in 10 years and I had no idea of current costs. At the dog park there were several people talking about their experience with pet insurance companies,(I had never heard of it), so I researched AT LEAST 7 companies, compared rates but was sold when I called Embrace. I spoke to a 'live person' who answered questions I didn't even know I had until she started informing me of all they offered.
Kodo (mixed Rotty & ?) developed an allergy that involved many visits to the vet within the first few months of coverage and they covered it so well. But the most surprising and most AMAZING fact is they are also covering Kodo's accupuncture treatments!!! He has a possible torn ACL and after researching all the pros & cons of surgery, I knew there had to be another way. I found a terrific new, ultra-forwarding thinking vet whose methods are working without surgery. I was concerned Embrace wouldn't cover the charges and was worried how to fit these treatments into our budget but that isn't a concern anymore!!! I am so confident in Kodo's coverage that a lot of stress has been alleviated.
I wish Embrace would advertise more or at least send out promo material to every vet they receive a claim from. I talk about them everywhere there are animals and owners! We chose the premium coverage & it is still less than a tank of gas for my vehicle! You can't receive better insurance anywhere else.
5
out of 5
POSTED:
| BY: P Matsui
Phenomenal Customer Service
Working with Embrace has been one of the most pleasant experiences I've had with any business. Our bulldog developed a severe limp when he was only 11 months old and after consulting with a couple of orthopedic specialists, came to the conclusion that he would need to undergo surgery to repair a patellar luxation (make sure you get a second opinion...the first surgeon wanted to do some exotic TPLO surgery to fix a cruciate that turned out to be perfectly intact). After surgery (which went very well) we submitted our claim for the initial X-ray with our regular vet, the consult with the surgeon we went with, and for the surgery itself. The claim took a little while (~2 months) to process, but that was entirely due to the delay in getting detailed records from the different providers. Embrace kept me in the loop the entire step of the way about what additional items they still needed and how I could help in getting them, and ultimately the claim was accepted - very fair and transparent. Can't say enough about how customer-oriented and caring they are. While I hope not to have to submit another claim for our boy, it makes it much easier knowing that we have a policy with such a great company.
5
out of 5
POSTED:
| BY: Julie Wade
Outstanding customer service, caring and trusting.
When my 15 month old was diagnosed with luxating patella, I was shocked. When I had the consultation and got the bill I was devistated. The doctor told me my insurance would more than likely not cover it. I did my footwork anyway, and Embrace kept me posted almost daily on what they needed from me, and what would be left to do. It brought me to tears when my puppy's surgery was authorized. I am eternally grateful for the financial load they lifted off my shoulders. That left me with the ability to focus on my pet. They even asked for pictures so they could see my puppies! I really felt like they cared about my puppy, and when surgery was done, I got an email with well wishes. They are top notch, and amazing.
5
out of 5
POSTED:
| BY: Pam Saint
Excellant Comapny for any Pet Parent
We are very pleased with Embrace. Previously we has VPI pet insurance. When we made a claim with VPI the amount we received was much less than we had expected. In the last month we made two claims one for Enteritis and one for a Urinary Tract infection. The Enteritis claims was processed right away and we were very pleased with the amount we received. The second claim is being reviewed at this time. When we had VPI if a claim was denied that was it they would not take a second look at it. Embrace is willing to work with the pet parent. Embrace is an excellant company for any pet parent.
1
out of 5
POSTED:
| BY: Mary
Very Quick to Exclude Conditions
I've held policies with other pet insurance companies, andup until today, I was happy with Embrace. I adopted my
dog, Sugar, last August, and I knew that she was almost
blind. My veterinarian was concerned about possible
SARDS, and so, I quickly had Sugar seen by an
opthalmologist at Purdue University. They did NOT
diagnose her with SARDS, but instead with PRA --
Progressive Retinol Atrophy. This is a irreversible
disorder, but except for the blindness, Sugar should have
no other symptoms and/or complications. So, I forgot
about it. PRA is not serious, and Sugar has adapted well
to her blindness.
Then, last month, she had a corneal ulcer, which prompted
Embrace to review her records. They saw that my
veterinarian was concerned about SARDS last year, and
immediately informed me in an email that SARDS was added
as an exclusion to my policy. Of course, I am fighting
them on this, since they didn't even bother checking to
see if Sugar saw a specialist, because if they did, they
would know that she doesn't have SARDS.
Even still, I am angry. This is a demonstration that
Embrace is just following the other pet insurance
companies -- i.e. they are just looking for easy,
convenient ways to exclude conditions. I am confident
that I will win, but I am still very disappointed.
Shame on you Embrace.
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.