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've had a policy with Embrace for 5 years now. It has been very easy to file claims and review their statust. It has been worth every penny spent on the premium. I'd recommonend Embrace for sure.
5
out of 5
POSTED:
| BY: L
Wow... and thank you!
We were new customers to Embrace, and shortly after we became eligible to submit claims, we had a horrible coincidence take place - our cat, Kali, had to be rushed to the vet. We never thought we would end up using the insurance so soon, as our cats were relatively healthy outside of some ear stuff and dental issues.
Originally, we thought that her swollen toes and odd behavior were the result of an injury since she's a clever kitty who had recently learned how to crawl inside our couch! So when we discovered the problems with her toes, we rushed her to the vet, thinking that it was a recent injury. This was the start of a 2-month long journey for Kali that started with a near-amputation of her toes that was canceled last minute after an EKG scan found a tumor in her chest. We received a referral for an oncologist who recommended surgery to remove the tumor. We found out that the condition on her toes was known as pemphigus and we suspected that she might have cancer. We were told by several vets that the likelihood may be high. Thankfully, the tumor was a benign one but the pemphigus would remain possibly for the rest of her life. The good news is that the tumor's removal means that her condition is much more mild than it was with the tumor in her, which means that the medications that she's one now are limited and therefore not nearly as debilitating as they might've been with higher doses.
Through this very stressful time in our lives, when we thought we might lose our cat, we were so thankful for the Embrace insurance. I was almost certain that we might not receive coverage, being new customers, and due to some stories that I have heard about other pet insurers. However, Embrace was with us all the way. All claims were processed within a timely fashion & they even checked in with us during this time to see how we were doing. The website and submission process makes it very easy to submit claims & track them, and I love seeing the breakdown of what was covered.
I'm so thankful for Embrace. Because we were in a position to make the best choice for our cat's quality of life, Kali now is much healthier than ever, and we hope to have many more years with her. I will never have an animal that I can't cover through Embrace.
5
out of 5
POSTED:
| BY: Janice Noll
Great Service
Our 5 year old dauchshund had emergency back surgery in January 2017. In the turmoil of not knowing if Chuli would ever walk again, Embrace made it easy to make our claim and covered 80% of his $6000 surgery as well as some physical therapy. Four months later Chuli is walking and happy again. Thank you Embrace!
5
out of 5
POSTED:
| BY: Henry st
Great Service !! Highly recommend !!!!
Great service and fast at that. They stay to the contract and highly recommend !!!
5
out of 5
POSTED:
| BY: Rita
Outstanding Service
The process for submitting claims and getting reimbursed couldn't be simpler or more responsive. Totally happy with my involvement with Embrace 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.
