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.
Our Yorkie had a infected cyst as well as a UTI. It took a few days in the vet intensive care as well as an operation to remedy his issues. But he is home now and is hos old self.It was great to know that the bill was in large part going to covered by Embrace.
5
out of 5
POSTED:
| BY: Gay Deniso
Thank goodness we have EMBRACE
I have written previous great reviews and, once again, EMBRACE has come though! With 5 dogs now, we got a $1,000 deductible for each in order to have a "doable" monthly premium. BUT, we got $15,000 YEARLY coverage. If this seems like a lot, trust someone who has been through two cancer surgeries in one year for one dog!! Of note, it is rough for all (people and beloved canine) to go through this....BUT, knowing we were covered by EMBRACE has helped us get through. And, also, we aggressively have kept an eye on her developing any other bumps or lumps without worry of how we would pay for there removal. Early detection and surgery when these things are small has been the difference. And, hopefully, this good fortune will continue. She is feeling great! (We are lucky to have board certified surgeon and oncologist...so skilled at dealing with cancer...) Many of the negative reviews stem from EMBRACE not covering "pre-existing" conditions. To this I say 2 things. Get your dog (or cat) insured NOW before things happen. Also, having had one small portion of one claim denied (less than $100 lab work), I can speak to that. The lab determined that one of her bumps was a "hair folicle cyst" so that lab work on that one thing was not covered. This was because before we insured her 2 years ago, she had had a "bump" removed previously that proved to be one of these and, thus, any further cysts of this kind are not covered as they are likely to reoccur. But, EMBRACE has covered every other item for this particular dog over the past almost 2 years and the reimbursements (we have 90%) have been in the thousands. This year we have had over $7,000 paid out for the two surgeries and all that goes with that (diagnostics such as CT scan, ultrasound, chest x-rays, liver and spleen aspirations....) in addition to some bladder stone issues which required X-rays as well. This company can be trusted to cover things that are not "pre-existing" conditions. SO, if you have any questions as you research policies and companies, ask them to review your dog's / cat's records and find out if any exist. They can also be trusted to cover any care your vet thinks necessary. For example, in August this dog had a soft tissue sarcoma. The surgeon said it would increase his ability to precisely remove it and get "clean margins" if we had a CT scan to show exactly where its boundaries were. The scan also was helpful in determining that the cancer had not spread. We were able to have this
5
out of 5
POSTED:
| BY: Roberta
Great company
Embrace is great insurance for my dogs. I know I can take them to the vet, that I will be covered. They are fast for the payments back.
5
out of 5
POSTED:
| BY: Melissa
Excellent
Embrace has been there every step of the way. Our dog has had a lot of medical conditions over the past month & Embrace has fully covered everything. I highly recommend!
5
out of 5
POSTED:
| BY: richardson
Embrace saved my dog from going blind!
I keep a very restless American bulldog that gets into trouble often. My dog was 2 years old when I signed up for embrace plan.Reepee, sustained an eye injury which was complicated and i was confused too, However, embrace insurance took over the complicated procure that was done to restore the sight. Reepee, is jumping over everybody as usual, with its two eyes ever working!
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.
