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 am so very happy I bought Embrace pet insurance my active three-year-old black lab Smokey was hit by a minibus ACL MCL and hip surgery $9400.
Without pet insurance owner is stuck in the awful intersection of credit limit meets Vetenarian bill.
5
out of 5
POSTED:
| BY: Jaime
So Thankful for Embrace!
We're incredibly thankful for Embrace. We've been members for 8+ years and have always had such great experiences working with them. Everyone is friendly and helpful and have always made us feel very much at ease in what can be stressful situations.
5
out of 5
POSTED:
| BY: H Scherer
Outstanding
Embrace continues to be very helpful and prompt in paying all claims. My Bernese Mt. Dog had ACL surgery last January and has had a slow recovery. Not only did Embrace cover everything at 80% after the deductible, but I have received checks very promptly, sometimes within 7 to 10 days! Also, they paid for physical therapy and now are paying for Acupuncture!
5
out of 5
POSTED:
| BY: Miriam McEnroe
Honest ,upfront about what they cover, promt
Every time I have spoken to any Embrace representative they were always very courteous and nice. They were upfront about the conditions they considered pre-existing, at the time I got my coverage. They pay what ever percentage you choose, based upon what the vet actually charges (as long as it's not outrageous of course), as opposed to what they "allow" the vet to charge. That's an important distinction because a lot of the other more well known companies, write in the fine print that they will pay the percentage of what THEY allow a vet to charge, so they say they'll pay, for example 80% but it's 80% of what they deem acceptable for a vet to charge. Unfortunately my dog did get injured severing her ACL and tearing her miniscus, and Embrace checked out my dogs medical records to make sure this injury was not pre-existing, and then promptly sent me the money. I highly recommend this company, I am telling all my friends as well as the Vet, because there are so many companies to choose from, it gets very difficult to decide, and I originally choose this company because of other people's reviews, and I am very happy I did. I especially want to say thank you to Kiersten Williams, an embrace employee, who was wonderful to deal with during this difficult time. Thank you. Miriam McEnroe
5
out of 5
POSTED:
| BY: Robbin
Fantastic
I have had this insurance for several years and they have always been fast and reponsive to my pet's needs. Recently, one of my cats died. I was devastated, and sent a simple question to the Embrace staff about stopping coverage. In one afternoon they responded to my question, adjusted my coverage, and returned a portion of my monthly coverage fee. I paid for cremation, knowing that Embrace would reimburse the fees. Then Embrace went above and beyond by sending me an email to let me know that they lot a vertual candle in memory of my kitty. That was such a personal touch, and not something they had to do. Just wanted to say that they have always been fast and efficient, but now I know they really care too. Thanks 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.
