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.
We purchased insurance on our rescue dog (Sassafras) when she was a puppy. At 3 years old she was diagnosed with epilepsy. Embrace has paid all of our claims for her epilepsy ER visits, and prescription medication which we are extremely satisfied with. My only wish is that all natural epilepsy drops and magnesium which we use to help control her seizures would be included as part of treatment rather then wellness. Besides that we are extremely happy with Embrace and recommend them highly.
5
out of 5
POSTED:
| BY: Jenn Brunjes/Scott
The best decision we have made- using Embrace
Our 7 year Dashound has had three "issues" over the years. But every time Embrace has handled our claims quickly and efficiently. They are great to work with. I started with them when he was a puppy. Better safe then sorry. Best decision we ever made was picking/using Embrace. Thanks Embrace!
4
out of 5
POSTED:
| BY: Karin
Pet peeing blood
Our pet had been urinating everywhere, we didn't know that he was ill until he started having drops of blood everywhere. We took him to emergency to find out that he had an infection. After a day of antibiotics he was back to his old self and started to gain weight that he lost. His claim was fast and I have always been satisfied with our insurance.
5
out of 5
POSTED:
| BY: Karen Lee
This insurance is awesome!
Without this insurance, we would not have our almost 10 year old German Shepherd, Wolf (Wolfie to us). Neither my husband nor I had ever purchased pet insurance before, but for some reason about 5 years ago, we decided to get it. We knew nothing about the various companies, and even the vet's office didn't really have a recommendation about one versus the other. We chose Embrace. Probably 6 months later, Wolf went to get up in the family/great room, and his back legs went in different directions and he ended up having to have a very expensive knee surgery. I think total it was about $8,500, and Embrace quickly approved the surgery and paid 80%. That was impressive enough, but for teh last couple of years, Wolf has been having liver issues. He has had to have numerous blood tests, ultrasounds, etc., and was finally diagnosed recently with pituitary Cushing's Disease. The medication alone for 1 week is $70. The testing which has to be done periodically is about $400 each time. If we did not have this awesome insurance, we would have to consider putting Wolf down, when he is not suffering -- he is still the happy guy he's always been. We can't say enough good about this insurance company and would recommend it to anyone. If we have additional pets in the future, we have agreed that we will get insurance from the very beginning.
5
out of 5
POSTED:
| BY: Alejandra Mendoza
Great Customer Service
Embrace is amazing. I submitted several claims for my dog Stanley who suddenly contracted Canine Immune-Mediated Hemolytic Anemia (IMHA). He needed an emergency blood transfusion, which is what saved his life. We are lucky to have pet insurance to cover the large vet bills that we have accumulated in the past month. I had so many questions and an "embracer" was always there to answer my questions and guide me. I appreciate the patience and care that the embracers give to their customers. Stanley is doing much better now, but he requires weekly blood work to monitor his red blood cell levels.
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.
