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 purchased a policy for my Great Dane when I got her as a puppy. I paid the premium for almost 4 years before I needed to use it. My dog got a freak joint infection that required a $4000 surgery to clear out the infection, not including the cost of all the preliminary exams with my regular vet before being referred. Embrace covered exactly what they said they would and I had over $3000 in checks mailed to me with days of being notified that her claims were covered! This policy was the best thing I could have done for our family!
5
out of 5
POSTED:
| BY: Julie
Quick!
I had trouble trying to submit my claim online, but once I mailed it in, it was processed within a few days. The refund is on it's way! The service was quick and easy!
5
out of 5
POSTED:
| BY: Jan
Love Embrace Pet Insurance!
While I've had dogs all my life, most of them rescues, I have never purchased pet insurance until 2015, when I adopted Finn, a 5 year old terrier mix. After reviewing many different insurance policies from different companies, I felt that Embrace would be the best. Wow...they are fantastic!
Unfortunately for Finn and our pocketbook, a year after we adopted him, he was diagnosed with heartworms (negative before we got him, but took that long for them to show up!). This an very expensive disease to treat, and Embrace came through for us. Very easy for the vet's office to complete their portion of a single piece of paper, and very easy to submit to Embrace. I heard back from them quickly, and got my check within a few weeks. Not only that, but the folks you deal with are animal lovers and personalize their emails, I receive lovely newsletters, etc. I feel that I got a terrific insurance, and plan on keeping it throughout Finn's life and beyond to the next rescue!
5
out of 5
POSTED:
| BY: TIm
Embrace is really good
Embrace has been responsive and did everything they have said they would do. All communications have been professional and easy.
5
out of 5
POSTED:
| BY: Lacey
So thankful for this company!
Unfortunately my sweet baby was diagnosed with lymphoma about a month ago. It's been a very stressful time for us both emotionally and physically. There's been so many test & treatments in the past 6 weeks. Embrace has covered all of the test and procedures just like they said they would. It's a blessing to not have to stress about the financial aspect of this diagnosis. It took about a month for them to review everything but once they did the reimbursement checks showed up. Their customer service like is very helpful too. I have recommended this company to all of my family and friends that have fur-babies!
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.
