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 highly recommend Embrace pet insurance! They have fully covered every claim I've submitted for my dog's cancer surgery and follow-up treatment over the past 6 weeks (90% after our $1000 deductible). Not only that - they are covering these claims FAST - seriously, within a week of submitting each invoice, the reimbursement is auto-deposited in my checking account. Their website is also very user-friendly. Embrace has been a bright spot at a time that has been so devastating for our family in knowing that we will be saying goodbye to our beautiful, perfect dog, most likely in the coming year. This is exactly what pet insurance should be, and Embrace has lived up to this high standard.
I've always had great experience when submitting any claims. Many different options for pricing that is very affordable in my opinion compared to other pet insurance companies. I use the wellness plan along with my standard policy. I would definitely recommend to anyone searching for their fur baby!
We had an accident and injured a leg. The process for submitting claims is really easy and the speed of the refund approval was within an hour and funds deposited the next day! This has been out experience with all of the recheck invoices as well.
Disappointed After 16 Years – Outrageous Premium Hike
I’ve been a loyal Embrace Pet Insurance customer for 16 years, insuring six different animals through them. Over that time, I rarely used the insurance for my cats, but I paid consistently, trusting they’d be there when I needed them. That trust is now completely broken.
Out of nowhere, they’ve raised my monthly premium from $237.46 to $478.99. That’s more than double. Their only suggestion? Lower the coverage on my 16-year-old cats. Seriously? After all these years of loyalty and minimal claims, this is how they treat longtime customers?
I’ve never experienced anything like this before, even with pets that have aged or passed. It feels like a cash grab, and it’s unacceptable. I’m pulling my remaining pet, Shiloh, off their policy immediately. I refuse to go through this again as he gets older.
I’ll be switching providers and removing any positive reviews I’ve left in the past. If you’re considering Embrace, think twice.
Update to their response: Since I can't reply to Embrace. Their suggestion of changing parameters does not help my aging cats or coverage. I've barely had any claims, and they have never raised my premiums with my other older animals, who are now passed. This increase is over 100%. Basically, they are telling me to raise my deductible and lower my coverage to get lower monthly fees, after paying them for 16 years. The cats went from 15 to 16. It's not like they just got old.
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.
