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 have this insurance for both my pugs, who are 9 and 11. I do like how there is an upfront review of what will and will not be covered due to pre-existing conditions (so I suggest getting insurance right away before any issues arise). I was suprised they offered coverage to my oldest and am grateful they did because they have been covering his cancer treatments with no issues. The process is very easy and I like that you can go online and see the status of your claim. The wellness coverage is great too, I use that every year to cover their teeth cleaning. I highly recommend.
5
out of 5
POSTED:
| BY: Chris Ksoll
Embrace; There When You Need Them
When your dog has cancer, the last thing you want to think about is insurance or anything, really. I was a mess. But Embrace was there! THANK YOU. This company is first class/best in class.
5
out of 5
POSTED:
| BY: Scarlett's Mom
Embrace has saved me a lot of money!
My previous dog, a bichon frise, had to have back surgery twice in less than a year, when he was around 7, ruptured discs. $5000 per event. My previous pet insurance paid nothing, because my baby had had back pain when he was 2, prior to purchasing the insurance policy.When I got my current bichon, Scarlett, I essentially purchased Embrace insurance for her before I brought her home. And I'm so glad I did! 2 years ago, she scratched her neck raw, due to allergies. Over the course of the past 2 years, she has been treated by a holistic vet approximately 2x per month; Accupuncture and Chinese herbs. (Embrace covers the Accupuncture but not the herbs.) She also had complete allergy testing done, by a veterinary allergist/dermatologist, and she now takes daily antihistamines and monthly injections. Poor baby is still scratching, and Embrace is still paying 80%. Bless them, they have paid a lot more than I have paid for premiums for the past 4 years! I recommend them to everyone. If only I could get such good coverage for myself!
(Note, the first claim submitted took a couple of weeks for them to process, collecting all kinds of info. Subsequent claims have been paid in under 2 weeks!)
5
out of 5
POSTED:
| BY: Sherry Rich
Best pet insurance I have ever had!
Handled my claims quickly and helped and explained everything to me. Guided me on how to cover my girl properly. Very helpful and caring group.
5
out of 5
POSTED:
| BY: Laura B.
AWESOME- no hassle and quick reimbursements!
embrace has been a completely awesome pet insurance. its very easy to submit claims, they inform you when they have received a claim and if they need more information which my vet is very thorough and embrace has never asked for additional information, they don't take long at all to review claims and once they are approved shortly after they reimburse you. I've submitted 5 claims already, 2 of them being $3,000 because my dog tore both of her cranial cruciate ligaments in both knees and embrace never gave me any trouble at all. they review the vets notes and recommendations and reimburse me within like a month! i love embrace and wouldn't change my pet insurance for anything!
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.
