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.
Avoid purchasing insurance from Embrace!
When we purchased our dog’s insurance in March 2023, Embrace assigned him the pre-existing temporary condition of diarrhea. Embrace stated that a temporary condition could be eligible for coverage in the future if our dog were to remain symptomatic free for 12 months from the most recent occurrence. Now, almost one year later, and with no signs of diarrhea since the policy began, Embrace is restarting the clock for another year. Furthermore, they are adding an additional pre-existing condition of dermatological issues and denying covering anything related to it going forward (including itching, allergies, hot spots, ear infections, eye infections, etc.), despite them covering all of these dermatological issues for the past year. On top of all of this, they are refusing to pay for an allergy test that they pre-approved in writing and had already stated that they would cover.
We are currently in the process of submitting an appeal and if it is not accepted, then we will be reporting them to the California Department of Insurance. If Embrace fixes this, I will be happy to update this review, but at this time I would not recommend Embrace. I feel extremely disappointed in their service and find their practices self-serving. Embrace makes up the rules as they go to benefit themselves financially. Do not purchase an insurance policy with Embrace!
Embrace has taken 15 days and my claim has not been resolved. No response or anything. Customer service is useless. They are not the best. Using Embrace has been a huge mistake
never got a claim reimbursed all they did was hassle my vet so she didn't want to keep answering them, they 4 x asked for an invoice, which she sent, then they wanted dr. notes, etc as of today, two months later, nothing, my vet said other insurance did not hassle this was the only one
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.
