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.
Hi, I am Thelma, a 7 year old Cocker Spaniel. I am thankful my mommy and daddy got Embrace for me because I now have fresh breath, the antibiotic treatment prevented needing any extractions, and I am skin tag free. I look and smell FAB. I am a bit large and in charge, but Embrace assures me this is temporary and they are even helping with my diet. I have lost 3 pounds. Forms and reimbursement are simple and fast since North Penn Vet helps us with the process. And now, my brother Newman's review.
Mom and dad got smarter over the years. Unfortunately, I a mix breed and 13 years old, too old for full coverage. But fortunately, mom and dad love me so much thay do not mind paying for whatever I need. Embrace Wellness helps, too. Although, Embrace was purchased too late for an old dog like me to have Embrace cover the recent cyst removal or my 2X daily insulin shots and eye drops, arthritis supplements, cataract surgery or lens implant; Embrace fully explained and we expected these things not to be covered by Embrace when we joined. Embrace did pay to clean and extract teeth on an old dog like me. Deciding to do both the cyst removal and teeth at the same time made the process so much easier. My parents would not put an old dog like me under anesthesia, just for a teeth cleaning, for fear it would be too risky. But the cyst had to come off so the Wellness part of Embrace made it easy to decide to do the teeth while the cyst was removed. Now my organs are protected from infection via tooth and gum disease. I am looking mighty fine without that cyst, my breath is great. I am glad I have a mommy and daddy who love me and got wiser with age so they got Embrace for Thelma while she was still so young.
5
out of 5
POSTED:
| BY: John
great service!
Our dog ate a stick that became lodged in her esophagus. Fortunately there was no perforation. She required upper endoscopy to assess the damage and has recovered very well. Embrace Insurance reviewed my claims promptly and reimbursed me for the portion of expenses according to our policy. As a retired physician I could only wish that the multitude of insurance companies I dealt with for my own patients would have been as prompt and responsive as Embrace was for us. Simply put---Embrace did a great job!
5
out of 5
POSTED:
| BY: M
Best decision I've made for my chihuahua
Nearly 11 months after I joined Embrace, my chihuahua had emergency pyometra surgery with bills over $3000 from the emergency clinic, numerous blood tests, etc. Embrace covered 80% minus the deductible, which helped a lot. It i the best decision I've made for my chihuahua. The customer service is helpful and responsive. They reply email fast. I would definitely recommend Embrace to my friends.
5
out of 5
POSTED:
| BY: Happy
Reimbursement lightning fast!
My vet faxed in the invoice for some medication for my dog (who has been treated over the past year for ACL surgery), and I literally received the check within the week! Continue to be very satisfied with all aspects of EMBRACE coverage and service.
4
out of 5
POSTED:
| BY: Michelle
Great Customer Service & Overall good experience
This is my second year and so far so good. Great customer service, friendly and helpful. My only suggestion is that when more information may be needed from Veternarians that I should also get contacted as well since the claim systems doesn't get updated quickly. I would rather get the ball rolling and contact who needs to be contacted inorder to get what is needed so that process moves a little faster. Also, not sure if filing a claim for illness is more complicated but this was my first illness claim I submitted and well it took a lot longer than expected. Overall great insurance and great customer service. Thank you Embrace!
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.
