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.
My wonderful dog has been insured with Embrace since we got him. After 6 years, he had his first illness/accident claim and it was a big one. Embrace was with me every step of the way from my first phone call to getting the claim paid. They offered to help the vets file the claims and they even checked on me and my dog a week later. Without this policy, I'm not sure I could have spent the money to save my dog.
5
out of 5
POSTED:
| BY: Judith Byorick
Superb
Having had sick dogs and high vet bills in the past, I bought insurance for this dog on the theory that carrying an umbrella keeps away the rain. Alas, this dog too has had to deal with a series of illnesses, including allergies and infections. Embrace has covered claims promptly and cheerfully every time without question. I would highly recommend this company to anyone.
5
out of 5
POSTED:
| BY: Michael Belling
Always Extremely Impressed & Grateful
From day one with Embrace, I have been shocked over and over, always in a great way. You always expect insurance companies, especially with pet insurance, to be sneaky and to use all their power to make paying claims difficult. Every single time I make a decision for my pets, I make it knowing Embrace has their back. I literally tell everyone I know about how amazing you all are, almost everyday. The entire vet staff now backs you guys, and the peace of mind you give my family and I is just priceless. We lost my 8 year old Bearded Collie last week to a surprise cancer diagnoses. It was crushing of course, but going in, we knew, if there was a way to treat him, we would be able to do it, only because of Embrace. We are so thankful over and over again for your wonderful customer service, caring and compassionate staff and your efforts to make claim submissions and coverage easy, quick and painless. My 7 year old Mini Aussie was able to avoid knee surgery because of the physical therapy we are able to do, thanks to Embrace. I could go on and on, but its clear to me, starting these policies was by far, one of the best decisions I have made for my family (human and dog). Thank you, thank you, thank you!!
5
out of 5
POSTED:
| BY: Denese Shrum
Very Impressed
The Wellness claim was faxed on Saturday and a response from Embrace was received on Monday; claim reviewed and, on Wednesday, I received notification that the claim had been paid 100% - reimbursement is being processed. As a first time owner of a pet insurance policy, I can say it's worth the money,
5
out of 5
POSTED:
| BY: Jeff Bell
Embrace-The leader in pet insurance. Best!
We've had the insurance for over 7 years and never really thought we would ever use it. Until our dog was diagnosed with a rare form of cancer, Malignant Pilomatricoma. Very few reported cases in the U.S. The aggressive cancer was caught early (thank you Dr. Patterson-VCA Hanover MA)and after multiple surgeries and specialty care from a pet Oncologist he's cancer free. Surgery and C.A.T. scans are not cheap. When I submitted claims for the first time on two occasions Embrace asked not questions and played out per our policy % in just over a week. With follow-up along the way. Couldn't ask for a better insurance partner! All insurance companies should follow your model. Thank 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.
