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.
Embrace was speedy with processing my claim and responding to my questions in a precise and professional manner. The explanation of benefits was of great help in explaining what was covered/remaining coverage, the deductible and my refund. Top Notch Service!
5
out of 5
POSTED:
| BY: Howard Ho
Speedy claim recovery and timely follow-ups
Never thought pets needed insurance, but at my wife's behest, researched a ton and decided on Embrace. We have a 2.5 year old Yorkie who has had no issues until the last few months, when he dislocated a rear leg and had some breathing issues. The vet bills immediately started stacking up and we are so relieved (and happy) that we decided to purchase insurance from Embrace. Claim checks received in the mail within a month of vet visits, and timely follow-ups from customer service representatives. Definitely recommended from a happy customer!
5
out of 5
POSTED:
| BY: Camille
Pet insurance with a heart
I have two miniature dachshunds and they are my pride and joy. Before I got them I did a lot of research on which breed would best suit my lifestyle, and all books about dachshunds mention that back problems (IVDD specifically) are a real risk.I have wanted a dog for all of my life but have always considered them to be a responsibility to be taken very seriously. Although I am now in a great situation to finally have pets, an expensive vet bill is still a risk (and IVDD treatments can cost up to $10,000). Getting a pet insurance was therefore a no brainer for us. Because my husband and I are with USAA, we were recommended Embrace Insurance. After doing some research, it seemed like one of the best pet insurance out there. We have been very diligent in sending Embrace any update (microchip and neuter status), and waived the waiting period for both our dogs by submitting an orthopedic exam from our vet.
Last month, Cashew started acting weird and was diagnosed with paraparesis, a sign of IVDD. Our vet recommended immediate action for his pain and comfort, as well as a solid rehab program for the future. When I called Embrace to check that these items would be covered, they were extremely helpful on the phone as well as compassionate (it was a really hard time for me, knowing that my baby was in pain). I also asked my vet to fill in the pre-certification form for all our future expenses, including acupuncture, laser therapy, electrical stimulation and a complete rehab package, and got a very quick response from Embrace that it would be covered. It's now been more than three weeks since Cashew's condition has been diagnosed and he is back at 95%!! Our vet has done a fabulous job, but Embrace also deserve a huge thank you. They were quick and lovely to deal with, and I cannot recommend them enough. In my opinion, being worried about your pet's health is horrible enough, being worried about paying for care is a nightmare you really don't need. Embrace made it so that I could concentrate on the important things and do whatever was necessary for my baby to get better!
5
out of 5
POSTED:
| BY: deb
One of the best things we have ever done!
Embrace is great!! easy to use......responsive.....updates come timely.....great experience for a first time pet owner! SOOO much easier than insurance for the other members of our family.
5
out of 5
POSTED:
| BY: Michele Struble
More companies should operate like Embrace!
In today's world where we deal with so many different companies every day, it's important to recognize companies like Embrace that provide an outstanding customer experience instead of just complain about the bad experiences. Their processes and communications are clear and concise, and ensure that the customer understands every step of the way. Every employee I've ever worked with throughout the claim process has treated me respectfully and treated my claims with the utmost care and professionalism. Kudos to all, and WOOF from my Bear!
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.
