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 English Mastiff, who we were planning on breeding suddenly became ill, low blood platelets (could bleed out), then jaundice, then a bleeding ulcer. We were on a roller coaster, blood tests daily, a trip to Georgia Veterinary Specialists for an ultrasound because of her size (197#). 3 weeks of daily visits to our vet and the bills were adding up fast. By the end of the 2nd week I was receiving checks for 80% of what I had paid. Better than my health insurance!
5
out of 5
POSTED:
| BY: Amanda
Highly Recommend
I have been very pleased with Embrace since I started my policy in May 2016. I really appreciate that Embrace told me what conditions they would cover and what conditions were temporarily or permanently excluded. I had to make several large claims in the past few weeks to cover an unexpected case of anemia. Embrace was very quick in processing the claims. They covered everything related to the anemia. Since I was so happy with the illness coverage, I recently added the Wellness Benefits to my plan and have been happy with the coverage and speed of the payment. The policy is pretty reasonably priced for the amount of coverage. I have recommended Embrace to my dog's former foster family as well as a coworker who will be adopting a dog soon.
5
out of 5
POSTED:
| BY: Kimberly
Worth every penny!
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 Hirsch
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!
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.
