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.
Very easy to submit wish human insurance was this easy. Get checks back fast makes the high cost of pet medical easier and I like the peace of mind knowing I won’t have to go broke should something serious come up. I can put my pet’s health first and not have to decide can I afford certain medical treatments.
Very happy with all the plan options Embrace offers for our dog. We chose a higher tier to help ensure all our basics would be covered. Submitting a claim is easy using their app and all our claims have been processed in a matter of days, not weeks.
Embrace is a scam. Make sure you read all the fine print. Days after my 12 week old puppy got a clean bill of heath from my vet, I decided to be safe and get insurance. I signed up online, purchased my policy, and my Embrace profile showed that my policy was active and I read that if my pup had any conditions, Embrace would get the medical records from my vet after I filed a claim online. Seemed easy enough.
The following month, my puppy began urinating frequently. I took her into the vet, who said that my puppy hadn’t grown out of her loose puppy skin and it likely caused a UTI. When I filed a claim for medications, Embrace said that I hadn’t taken my puppy to the vet for an examination after purchasing their insurance, even though she had an examination just days prior, so they used that day’s examination as her initial examination. They determined that my puppy’s UTI was a pre-existing condition based on this technicality or, as I call it, one of their traps. Now if my puppy grows up and has any problems down there, although unrelated, it’s not going to be covered.
They would happily look at my puppy’s medical history if it benefited them, but they will exclude any previous evidence if they can. My puppy was just weeks old when she got her first exam! Nothing was pre-existing! Embrace knows it wasn’t a pre-existing condition, and they were taking my money while they were not insuring my pup.
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.
