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.
I submitted a number of claims for both of my dogs to Embrace on Feb 9th and 10th via fax. Today, Feb 16th, I received checks in the mail for covered items! That is amazing processing and Customer service! Thank you, Embrace!!
Any time I have called with questions, they were extremely courteous and helpful.
5
out of 5
POSTED:
| BY: Karen
Great Company
We have a large male Bernese Mountain dog who had his first accident when he turned three. He was running, turned quickly and tore the tibia in his left knee. We had the surgery and 4 months later with the help of water therapy, his knee was as strong as ever. Barely 18 months later, he tore the tibia in his right knee - which we learned is very common. We just completed the surgery 4 months ago, and he is happy and healthy again - enjoying his daily runs. Through both surgeries, Embrace was there for us. The surgeries and therapy combined were thousands of dollars and they covered the majority of the cost with no hassle. The claim process was simple and fast and there was always someone to answer my questions. Thank you Embrace for all that you do. Choosing Embrace was a great decision!!
5
out of 5
POSTED:
| BY: Karineh
Thank you!
Overall so far I've spent over $3k at the vet. With this insurance I've been reimbursed a little over $1500...THAT IS GOOD!!!I am so glad I have insurance for my kids and I am glad I chose Embrace.
Thank you!
5
out of 5
POSTED:
| BY: Jill
Glad I purchased insurance
We have adopted three rescue dogs from the local Humane Society. My vet recommended that this time I go ahead and get pet insurance. My daughter did extensive research and we insured them up with Embrace. Our Rocky is a runner, he loves to run, and he managed to tear his cruciate ligament. The surgery is pricey but we went ahead and had it done, no issues with filing or payment of claims. I'm so glad we went ahead and signed up with Embrace, have recommended the company to multiple pet owners.
5
out of 5
POSTED:
| BY: Becky Wakefield
Even better the second time around!
When our Bernese Mountain Dog Heidi was just 8 months old, she tore her Cruciate Ligament. Thankfully, we had recently started out Embrace 2 month free trial, and Heidi had just passed her orthopedic exam with flying colors! That customer service staff was so helpful when it came to filing the claim, and I was pleasantly surprised with how quickly I got reimbursed. Heidi tore her knee on a Wednesday, had surgery on Monday, and I received a reimbursement check in the mail the following Monday! One thing that everyone asked was "is her other knee covered!?" Once the first Cruiciate Ligament is torn, it is very likely that the other will eventually tear. I was pleased to tell everyone that, in fact, since she was covered before she hurt her first knee, the second one was covered also! A few weeks ago, the inevitable happened. We went through the same motions, only this time, an embrace team member told me that as long as the office manager at the surgeons office ok'd it, they could direct pay them, instead of reimbursing me! It was so nice to not have to shell out all of that money at once, especially with a new baby and in the middle of a full bathroom remodel! I could not be more pleased with Embrace, and I tell everyone I know about them! If it weren't for them, Heidi would be lame and painful the rest of her life. Thank you!!!
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.
