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.
Embrace is a great pet insurance company. Never a problem. But recently there are issues submitting a claim. They are having major technical issues and it is affecting their receiving and processing times. It has been very frustrating.
From the first email to the phone call, then the follow up communications..all was near perfect execution with sensitive recognition of our loss. When my next Sheltie comes into our lives, EMBRACE will be there!
Today, 7/22/26, I cancelled the the two policies I had on my cats. I can use the savings to put aside money for their care. Their response, which is generic, pushed me to my decision. When I called them about it they acted as if there was no room to alter the price unless I shaved whatever existing coverage there was.
————————-
My cat who is 13 now has been on Embrace since he was 4 months old. There was a jump in cost when he got older, like at 10, so I had to alter the policy. He hasn’t cost them much in claims. Nevertheless at age 13 they doubled the cost of his premiums to over $200. I called back prepared to cancel because it wasn’t worth the cost anymore. At the moment he’s on an accident policy for seniors that is cheap but I’ll probably cancel that too. Embrace really let me down.
Unfair policy review: Permanent exclusion for a fully cured, 2-year-old resolved injury.
Embrace Pet Insurance refuses to remove exclusion for a fully resolved injury with 2 years of clear medical records.Текст:I am writing this review to warn other pet owners about Embrace's unfair Medical History Review process. My cat, Leo (Policy No. EP0102-9957), underwent a successful fracture repair in May 2024. Due to a minor pin migration, the surgical hardware (IM pin) was completely and safely removed on August 26, 2024.For nearly two years, Leo has been completely symptom-free, requires no medication, and has normal clinical function. His most recent routine exam from May 23, 2026, explicitly states: "Ambulatory x 4, no lameness noted. Pet is ambulating well, no issues seen in all 4 limbs. Healthy pet."I submitted a formal appeal with full veterinary charts from Oaks Veterinary Urgent Care proving complete clinical resolution. However, the appeals specialist (Jennifer H.) and the claims management team (Ashley Mlinarik) denied the request, citing strict pre-existing terms. They treat a temporary, fully cured mechanical issue (a removed pin) as a permanent chronic condition.If your pet has ever had a fully resolved injury prior to the policy start date, do not expect Embrace to act reasonably or honor their guidelines regarding temporary conditions. I will be taking my business to a competitor that differentiates between chronic illnesses and fully cured injuries.
There was a grace period for preexisting conditions of six months. I called embrace and confirmed I met the preexisting requirement. Three days later I take my dog in for X-rays because I noticed he was limping and submit a claim for the procedure. Embrace then requested all documentation from my veterinarian. I thought thought this was dishonest because I was previously told preexisting conditions were no longer considered. I subsequently cancelled my policy.
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.
