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.
My little dog Tyra had come down with pneumonia and required around the clock care at an emergency hospital. Thanks to Embrace insurance a large part of the medical cost were covered.
I compared all the pet insurance plans and selected Embrace as being a good balance of cost and coverage. I couldn't have made a better choice then to go with Embrace. I have told my friends and family about Embrace and my experience.
5
out of 5
POSTED:
| BY: Maria Arango
adequate processing time
I've been happy with Embrace and have had this insurance for almost one year now. Each time a claim has been submitted, they have been efficient and processed refunds in a timely manner.
Also, their customer service agents have been very helpful and informative
5
out of 5
POSTED:
| BY: Judith Lewis
So grateful for our excellent coverage
Embrace Pet Insurance is a cut above the rest. That's in part because they pay for the procedure your vet thinks is necessary, and pays the fee your vet charges — they don't have any pre-determined costs or limits on any procedure. They also pay for holistic care and physical therapy as long as it's veterinarian supervised, which is reasonable and even wise of them.
Our AmStaff tore her cranial cruciate ligament in October, and we had planned to do TPLO after Thanksgiving, so we could be in town during her recovery. The vet thought that was okay, and Embrace pre-authorized her TPLO, meaning they can pay the vet directly, instead of having us put the $5,000 charge on our credit card. When I called for the pre-authorization, the phone representative recommended we do physical therapy in advance of surgery, just to make sure she stays strong and healthy while waiting for her surgery date. The vet-supervised PT was so much more thorough and professional than the other PT we'd been going to, so I was glad this was a requirement. It has worked out so well, in fact, that all the doctors have come to agree that our dog is healing without TPLO, and may not need surgery at all.
Embrace has reimbursed us promptly for each PT appointment, including Adequan shots, hydrotherapy, acupuncture and laser treatments. It's just wonderful coverage, and I'm so glad we signed the dogs up with this coverage. I would highly recommend Embrace to anyone considering pet health insurance.
3
out of 5
POSTED:
| BY: kennth adams
claim review was too long
Coverage appeared to be valid yet the claim took over two months to be honored.
5
out of 5
POSTED:
| BY: Patricia McRae
Possible NSAID overdose
We thought Daphne may have gotten hold of some very out of date Rimadyl. The vet said she was fine, and the claim for her care was honored. The changes to the website and how claims being handled appeared on our end was a little confusing but we are confident it will all work out just fine once the system is completely up and running. That is the reason why it's not a 10.
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.
