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.
Just made a claim for our Boys Wellness Check and it was easier than trying to catch them to go to the Doctor? LOL Thank you, It's very easy to submit claims on your webpage.
Because I can’t reply to your response, @Embrace, I’d like to set the record straight for anyone following this issue. The acquisition of Embrace in late 2023 by private equity firm JAB Holdings, who now owns more than 10 pet insurance brands, should not be ignored. According to JAB’s 2024 Annual Report, their strategy is focused on using acquisitions to drive revenue growth, and they explicitly highlight “above-industry growth” in pet insurance, attributed to “partnership activations,” “premium increases,” and new business writings after consolidation.
So while you keep telling me my 200%+ rate jump is due to “normal aging and inflation,” your parent company openly reports that profit growth comes from raising premiums after rolling up multiple pet insurance companies. JAB’s own report states that their North American pet insurance platform, Independence Pet Holdings (which includes Embrace), posted “core brands GWP [gross written premium] up +30.7% vs. last year” and touts “rate optimization initiatives” as a main driver of that growth, not just rising vet costs.
Just here on Trustpilot, at least four of the brands that have been bought out by JAB Holding Company have received garbage ratings from consumers, with the most of them centered around astronomical rate hikes, frequent claim denials, and sudden policy cancellations without no notice. Does that sound familiar?
It’s disingenuous to blame these rate hikes solely on my dog’s age or veterinary inflation when the real catalyst is a private equity group, now holding a billion-dollar portfolio in pet insurance AND veterinary services, seeking returns through aggressive price hikes after acquiring trusted consumer brands. These financial maneuvers are spelled out in "JAB Holding company’s Annual Report 2024" explaining their investor filings for anyone who cares to look.
If you’re going to triple premiums, at least be honest about the reasons: it’s not just about our pets getting older, it’s about your shareholders’ profit targets.
My issue is the fact that the diagnosis my dog is being treated for, osteosarcoma, is not included in your diagnosis list.
other than that you folks are great.
Having Embrace Pet Insurance through USAA has really made a difference in taking care of my little fur babies. I wish I could have had this insurance much sooner for my past pets.
This company USED to be a decent company. NOW, it does not respond to emailsm nor calls. No one even answers the phone. We had over $1200.00 in claims and NOT ONE of them are eligible to be paid or for three months they are still "pending". What the negative reviews are stating IS TRUE!! DO NOT sign with this company. I am cancelling today!!! So tired of waiting to hear about "pending" claims though we and the animal hospital have submitted everything that was requested. BYE
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.
