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 could not be happier with Embrace Pet Insurance. My yorkie was mauled by a pit bull and required emergency surgery. She had a ventral hernia (her intestines were ripped out of her abdomen) and necrotic bowel from the dog bite which required a bowel resection. It was an awful experience and very traumatic. I was so relieved when I remembered that I had a pet insurance policy. The representatives were very friendly and guided me through the whole process. I gave 4 stars instead of 5 because it took a little over a month to get reimbursed. I wish that happened faster. Overall, highly recommend. Accidents/Injuries are costly and pet insurance is a must!
We have had embrace for 4 years and never had needed it. My dog had emergency surgery recently and we weren’t even sure how embrace would cover. They were so fast in covering everything in our plan. Gave a clear explanation on why it wasn’t covered. Embrace saved us thousands of dollars and it was so easy to use the app and submit all the claims.
Embrace Pet Insurance is probably the most aggravating consumer product I have ever purchased. At a time when your pet child is severely hurt, and you've paid out thousands and thousands of dollars in vet bills, and you can't stop crying, some junior moron they've employed keeps demanding ever more proof that there were no loophole "previously existing conditions" that could get them out of paying my claims. They were mercilous and relentless in trying to do this. One girl wrote me an e-mail demanding records from a date a long time before I purchased their policy. I had those records available, so I sent them. The company sent me a notice two days later, saying those records were from before I purchased their policy!!!! Well, I knew that, so why in the world did their employee demand those records????? Actually, before I bought their policy, they claimed THEY would do the contacting of my vets, but I got many demands from them to contact my vets myself for information FOR THEM when they were digging for preexisting condition information. Liars! The FINAL STRAW was when one of their stupid underlings tried to claim a ridiculous preexisting condition would negate their paying nearly $6000 worth of cancerous bone claims because I had my vet freeze off a SKIN WART!!!!! Really!!!! After I threatened legal action and getting the state Insurance Commision involved, they FINALLY paid, with no apology, no anything for all they'd put me through. Just horrible. I still cry nearly every day, not because my sweet greyhound had a leg amputated, but because she only has a few months to live. Embrace pays for her chemo therapies, but these rotten creeps sent me notice that they will NOT be paying for her some of her sister's future problems due to made-up preexisting conditions!! Her greyhound sister is covered on the same policy, and although I have made NO CLAIMS for her, they went right ahead and did a major investigation on this dog's medical records WITHOUT MY PERMISSION!!!!! This company is UNBELIEVABLY HEARTLESS.
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.
