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.
Joe had an ear infection. Submitting the claim was so easy, the hardest thing was to remember to bring the form to the vets (and even when I forgot I called and you faxed one over for me. The whole process was fast. I knew it would be applied to our deduction, as we hadn't used it yet. But overall thrilled with the whole process!
5
out of 5
POSTED:
| BY: DeDee Ratiner
Very Satisfied
I have been paid fairly and promptly for all the claims I have made
5
out of 5
POSTED:
| BY: Robin Star
Finally, an ins. company who reimburses
This is my 3rd pet insurance company and I am thrilled to have received a reimbursement check. The only thing I received from the other companies were excuses. Thank you for fulfilling your promises.
1
out of 5
POSTED:
| BY: Raquel roiz
Bad service
I submitted three claims through the vet and so far they denied the claim. Sure my money's good and they take it. Once i summit the clsim i get a sorry letter. Just to remind you guys i am fully paid till mext month. This insurance just like to steal money from people and don't pay out. I am going to cancel this crappy insurance and find another one
5
out of 5
POSTED:
| BY: Abby
Thank you, Embrace!
When our 12 year old girl fell seriously ill with pancreatitis, we were terrified. Our sweet girl barely survived -- the intensive care of several specialists, in partnership with her regular veterinarian, saved her life.
I spent quite a bit of time researching pet insurance prior to enrolling Cleo in Embrace many years ago. I chose Embrace for their excellent reputation and their flexible, straightforward plan (I want to make health decisions with my veterinarians -- not my insurance company!). Thankfully, I did not have a single claim prior to this event -- but that made me all the more nervous. Would Embrace live up to their promises?
Thankfully, yes, they did. Within a few weeks, our claim -- which, in its entirety, encompassed several trips to both a specialty and standard veterinary hospital -- was covered exactly as our plan detailed. We were reimbursed promptly, much to our relief.
Here's where it gets even better: like most insurance policies, the policy only extends for one year. Embrace wasn't legally committed to renew her policy after the year expired. I called them to express this concern: would they drop her after we filed a notable claim? Though we are longtime, dedicated clients, she is, after all, 12 years old, and this was a significant claim. A kind service representative assured me that though they were not obligated to offer a renewal, they don't, as a company, believe in conducting business like that. The service representative recalled only
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.
