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.
The process of filing a claim is rather easy. You just email the claims form, the invoice and the receipt. They've covered everything I've submitted so far. I do wish the claims process takes less time for approval. It's takes over 2 weeks for me to get approved. Also the premium is high. It's more like a savings plan vs real insurance. But at least when the time I need it, I don't have to worry about skimping on diagnostic procedures and treatments because I know the insurance will cover it.
5
out of 5
POSTED:
| BY: Cristina
Embrace saved my cat's life.
If you want to get technical, Emmy survived a devastating case of cryptococcosis thanks to a dedicated team of veterinary professionals, and an array of ultrasounds, bloodwork, biopsies, and other diagnostic tests, and a hospital stay at the emergency vet, and the two antifungal medications administered twice daily for six months and counting, and the e-tube through which we fed our cat for the first two months of her illness. But none of this treatment would have been possible without Embrace.
Since fungus grows slowly, it takes a long time to fight off: anywhere from 3 months to a year, and longer if it’s a bad enough case. It cost thousands of dollars just to diagnose her, and hundreds more for her check-ups and medications. Even after the reimbursement from Embrace--about 70% of our total costs--we spent enough on vet bills to go on a vacation. A very nice one, too. (Think "first-class plane seats and drinks with little umbrellas" nice.)
There have been hiccups, to be sure. Paperwork lost or not being processed correctly, claims approved only after lengthy conversations with our vet. They’re an insurance company, after all. But on the whole, Embrace has been responsive and easy to work with, with a reasonably quick claims process.
Embrace has given us extra time with our beloved love-cat, time that we didn’t think we’d have. That’s worth all the money in the world. So $41/month for peace of mind? Not bad at all.
5
out of 5
POSTED:
| BY: Eleanor Fearman
So very kind
This year I lost my precious cat to lymphoma. It was very sad .Embrace was right on the claims and kept me informed all along the way. They were so very responsive and considerate of my loss. I felt in good hands. It was the first time I had used pet insurance or had made a claim. It was really all so very easy. When I adopted a new pet I went right ahead and enrolled her in Embrace.
5
out of 5
POSTED:
| BY: Alice
Responsive
Anyone looking for pet insurance should seriously consider Embrace. It's reasonably priced and you get to customize your plan to include or not include "wellness". I've included "wellness" which more than pays for itself just getting the preventative prescriptions for heart worm and ticks. They let you know as soon as they receive a claim then communicate status very promptly. Couldn't feel better about this plan.
5
out of 5
POSTED:
| BY: Dee
Awesome
Great coverage, prompt claim processing and fabulous customer service. You cannot go wrong 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.
