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.
We got a Yorkie about one year ago. This is our first dog. Although he has been a great pet, we have definitely had some challenges. He has had trips to ER, a sensitive stomach, and had 12 baby teeth extracted. Needless to say, we have gotten to know the vet very well. Luckily, we purchased insurance through Embrace. They have been the best in covering his many illness and wellness treatments. Just recently he was diagnosed with a luxating patella which required surgery. The doctor that did the surgery did not believe that this illness would be covered under the insurance. However, Embrace did it again ... the surgery is to be covered (pre-certification). Embrace has been wonderful and responsive ... thank you.
5
out of 5
POSTED:
| BY: Sandy
Embracers Care
Having Embrace insurance for my Oliver is comforting to me. The company treats you fairly, processes vet bills quickly, and ensures that you are completely satisfied with any outcome.
5
out of 5
POSTED:
| BY: Kim
Peace of Mind
I have never had pet insurance before, but I am so glad that I have it for Fiddle. Fiddle has turned out to be a very high maintenance. At about a year old she started having seizures. At 16 months we found out she had ectopic cilia. Both of these conditions have been expensive. Each and every claim that I have filed with Embrace (and there have been many)have been handled in a quick and efficient manner. Every claim has been paid exactly as the policy described without any quibbling. I have never had a claim challenged or questioned. I truly have peace of mind thanks to Embrace.
5
out of 5
POSTED:
| BY: Kim
I have SEVEN dogs insured with Embrace
As a Bulldog breeder I practice what I preach by insuring all seven of my dogs with Embrace while recommending it to anyone who buys a puppy from me. I've had Embrace for over five years now and they are simply the BEST!! The customer service is amazing, the coverage is superior, and I normally get reimbursed via a check deposited into my account within 7-10 days of submitting a claim.
5
out of 5
POSTED:
| BY: Courtney
Awesome Insurance Company
I have a six year old dachshund who has been insured by Embrace since he was a puppy. He was a very healthy little guy, with zero insurance claims for the first four years of his life. So healthy, in fact, that I briefly cancelled his Embrace insurance policy because I thought it was unnecessary. A month after cancelling, my cautious side told me to reinsure him and it was the best decision I've ever made. Ten months after reinsuring him, Brody became paralyzed, diagnosed with IVDD. Two surgeries and a week long hospital stay later, his bill was close to $9,000. Embrace came through 100% and covered his surgery/stay to the full 90% called for under his plan. Brody was up and running again in no time! Unfortunately, Brody had a reoccurrence of IVDD 14 months after the first and again required surgery and a hospital stay ($7,000). That, and a few other mishaps the same year (snake bite, infection), brought his 2013 vet bills to almost $9,000 again. But, Embrace had us covered, and again provided a prompt refund of 90% of his vet costs. Pet insurance isn't cheap. But wow, it's a whole lot cheaper than $18,000 over two years in vet bills. No cost would be too much to spend on my little man, but Embrace has enabled me to give him the best care possible without breaking the bank.
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.
