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 recently had my 13 month old Bulldog spayed and was happy that Embrace covered $149.20 towards it. Her Wellness Plan would have covered $200 had I not already used $50.80 on her annual physical and rabies vaccination. As a breeder of Bulldogs I highly recommend Embrace to the new families of each and every puppy that I sell. I had AKC Pet Healthcare Plan for two years before switching to Embrace. All I can say is what a difference!! Embrace's customer service continues to exceed my expectations. I currently have all FIVE of my Bulldogs EMBRACED and the peace of mind it gives me is priceless!!
5
out of 5
POSTED:
| BY: Lauren
It's been fine
I haven't had any problems with Embrace. I'm a new customer and my puppy is a baby, so I pray for his continued good health and look forward to gret experiences with the company.
5
out of 5
POSTED:
| BY: Sara
Embrace - So far - very good
Embrace - So far - very good.
1. Fast Claim response - and follow up emails
2. Embrace paid out more than the last company (PetFirst) for a Wellness Coverage Visit. (Vaccinations)
3. Also received the check in the mail faster than PetFirst.
5
out of 5
POSTED:
| BY: Celeste
No problem with 1st claim
I have had horrible experiences with another very popular pet insurance company years ago in the past, so I discontinued using a pet insurance for many years. When I recently got a new puppy, I decided she needed insurance, as young dogs are very accident prone. There are a lot more pet insurance companies from the last time I had any, but did my research and chose Embrace. Also, I luckily opted to get an orthopedic exam from my vet so any orthopedic problems would be covered immediately without a 6 month wait period, as just a couple months later, she injured her leg. Embrace was quick to acknowledge receipt and to let me know the status of the claim, let me know a check was being issued and followup that I received. I didn't get the runaround that I got from the other insurance company. So far, so good Embrace!
4
out of 5
POSTED:
| BY: Terri
the best I've found
Embrace has been mainly excellent with me.
I've submitted 3 (sets of) claims.
The first one turned out a bit difficult - maybe because it was my first claim since I got insurance for my dogs, maybe because it was quite large (I found a cancer on my dog's thyroid gland - very scary) - but I really needed the money in the time frame they said it would come. I had emptied my savings in order to cover the surprise surgery, and was carefully budgeting time and money. It made things incredibly difficult when the money arrived about 1.5 weeks later than they said it would, even after I checked with them by phone several times.
That said, everyone I talked with was really lovely. Embrace employees are nice people, and it doesn't feel at all like a faceless business. But it wasn't until I called for the 3rd (4th?) time, and explained that my situation was very urgent, that someone actually got on the case (they'd said they started over a week before, but as it turns out, the claim hadn't been examined at all) - at which point it was finished in a matter of hours. And that claim, once it was started, was fully reimbursed - and I even got a call from the guy who worked on it to make sure it all worked out okay.
After that, the two claims I submitted were reimbursed (again, fully) incredibly quickly - the first in two days, the second in about a week. There's been nothing to complain about, nothing petty, nothing confusing.
I had VPI for my last dog, and whi
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.
