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 decided to get Embrace Pet Insurance for our Bernese Mountain Dog based on the reviews posted on their site. We were initially only going to get pet insurance for the first year; however we loved them so much we have decided to keep them for her second year (and probably for the life of our dog). We are very happy with their services.
A quick list of what they have done:
Covered what they are supposed to.
Really friendly (which I appreciate!!).
Clear email communications.
Not that fast with the actual money back, but not super slow either. Probably about normal on that front, 2 - 3 weeks.
My husband is skeptical of health insurance companies and doesn't expect much. In his words, "I am actually just shocked at how helpful they have been." (This is a HUGE compliment coming from him).
We would definitely recommend them to someone new or old to pet insurance. For the first year we got almost the top of the line plan. It was really expensive but we decided to do it. Boy am I glad we did. We've gotten at least 1,500 back from them and paid close to 1,200 up front. So we saved at least 300 by having them (and if god forbid anything bad had happened, she was covered for far more).
The regular wellness was definitely worth it, and the only reason we downgraded our plan for the second year was that we're not expecting as much to go wrong now that she's over her initial hump of vaccines and neutering.
Wonderful service. Excellent coverage. Please sign on with them
1
out of 5
POSTED:
| BY: CJ
Misleading-False security
Though the customer service rep.'s are very pleasant. The insurance coverage, was not what the website hypes it up to be. They claim that they cover "genetic specific" conditions....which may be true, but proved false in my case. My vet and I had a misunderstanding of the requirements for the orthopedic waiver. . . My Vet wanted to be 100% sure that my puppy (8 weeks at the time), a Large breed dog, didn't have hip dysplasia (which can be hereditary). The only way for her to make this determination was to place my baby puppy under anesthesia. As concerned parents, that had a perfectly healthy pup, we opted not to have our pup put under. Later, a condition very common in large breed puppies (OCD) developed in our puppy (which occurs between the ages of 4 and 7 months). Through, the course of diagnosis, it was determined our pup did not have hip dysplasia and had developed OCD in her right shoulder after the initial exam. To have this corrected, she needs surgery which is roughly $2500. Embrace, a business, meaning, for profit. Decided, this was a pre-existing condition and would not cover even a portion of her Vet bills. Even with the timeline of events and diagnosis being annotated by my Vet and submitted directly to them. Maybe because my policy was only 5 months old and the company didn't want to chance losing that much money, when I hadn't even contributed very much? I caution all pet owners, that Embrace is a false security at best. I had initially raved ab
5
out of 5
POSTED:
| BY: Charolotte
The best there is!!!
I have been with Embrace for three years and have been beyond happy with this company. The "Embracer's" are all considerate, compassionate and helpful without exception. My little girl (Bichon Frise) is safe, health care wise, which is extremely important to me. I would rather pay a little each year to guarantee that i will never have to deny her medical help just because i can't afford the procedures. She is more than a member of my family, she is my friend, my protector, my entertainment and my love. I have to keep her safe. She does her very best for me, how can i do less for her?
5
out of 5
POSTED:
| BY: barb
Very pleased so far!
We just had our puppy spayed, and the same day we faxed the claim to Embrace we had a reply via email. Within a week or so we had a reimbursement check, as we have the Wellness plan. I could not be more pleased so far, we've had excellent, prompt communication and fast payment. And now that our puppy has been spayed and microchipped our monthly premiums are just over $3 less.
5
out of 5
POSTED:
| BY: Elaina
We're still thrilled with Embrace a year later...
The level of customer service and the speed of reimbursements has been stellar. I especially love the way they always ask you to give your dog belly rubs from them. :-) I'd recommend Embrace to anyone.
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.
