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’m not super in love with Embrace. I feel as if they are slow in their claim review. My vet’s office is overwhelmed so I have to get my records from them to submit to Embrace but have had to, on more than one occasion, sent a reminder through the portal to take action on the review.
I also think that their disclaimer review is sweeping and punative to older dogs adopted out of shelter.
My first experience was calling about an email request for information. The customer service rep was extremely nice and helpful and took care of the issue and explained next steps. Very good experience. Hope all dealings with Embrace will be as good
Been with Embrace for several years! Never a problem with claims or refunds! UNTIL NOW! Explanations meant nothing! Kept on going on about an issue from 1/2024 with teeth! even though that issue no longer was relevant! Didn't matter, it was on record so written in stone! Keep in mind going back 2years! The agents were very polite in trying to explain! But, still out hundred of dollars! Very disappointed!
I purchased Embrace Pet insurance for my German Shepherd dogs
I purchased Embrace Pet insurance for two of my dogs six months ago. I researched a lot of companies and settled on Embrace. They seemed to have the best coverage for the price. The person that I signed up with on the phone originally said that they wouldn't cover any illness unless I had a Wellness Check done on my dogs. I thought that was silly considering they weren't sick, but whatever. He also told me that any accidents & injuries would be covered immediately (as in, the next day).
Well, the next day, my German Shepherd sliced one of his paw pads really badly, so I made an appointment with my vet for the following day. By the time I got to the vet, a large portion of his paw pad had completely fallen off from the cut and he wasn't limping anymore. I was thankful. He was fine. I decided to go ahead and have a wellness check done since we were there.
Embrace did not cover the injury because he had a wellness check and because there was supposedly a 14-day waiting period. Then I called Embrace and spoke to Derrick who checked into it and said that an accident should have been covered immediately and he would resubmit the claim.
Today, I received an email from Embrace stating that they would not cover the accident because there was a 30-day waiting period. These guys should really learn about the company they work for and get their stories straight. They also said that the vet's notes said that my mere 2-year-old German Shepherd had some tarter build-up and so that is now a pre-existing condition and they won't cover any dental for him if he has a problem. The paw pad of course, is not a pre-existing condition. And because the vet prescribed a parasite medication, they won't cover anything having to do with a parasite for at least 12 months.
I mean, seriously? This is not how businesses should be run. I spend a lot of money on pet insurance and this company is full of a bunch of liars and scam artists. And when I was telling two of my friends about this today, they said that they had a similar experience and decided pet insurance was too expensive and cancelled their policy. When I told them that the company I was talking about was Embrace, they said, "That's the one we had!"
So, that clinched it. I'm not nuts. That was enough for me and I have decided to cancel my policies with this company and will be seeking insurance elsewhere (probably the one I have for my other dog, PetFirst with MetLife). I hope this review was helpful for people. I really do not recommend this company at all. And, btw, this is only the second one-star review I have ever given to anyone, so this is legitimately bad in my opinion.
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.
