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.
Tiffany our Salesperson was extremely helpful and knowledgeable. The plan itself made the most financial sense. It did not work out with our puppy and when it came time to cancel Kristen was very supportive and kind.
Paid for the top coverage....$104 per month. Never filed since signing up...just paid. Had my dog develop a hormone problem. Will not cover it because they are saying it's dermatitis. She is on medication for a hormone imbalance...but I can dispute it. They will DENIGH EVERYTHING AND MAKE YOU WORK FOR YOUR PAID COVERAGE!!!! GARBAGE COMPANY! Must be others, perhaps a class action suit is necessary.
Everything is a pre-existing condition with Embrace
We adopted a dog in February, 2021. Since he was transported from down South with a van full of dogs, he developed kennel cough that needed to be treated shortly after he arrived. He fully recovered from that with antibiotics. That was the start of our issues with Embrace.
He developed another cough, with no close contact with other dogs, several months later. This was determined to be a "pre-existing condition", apparently simply because it was respiratory, and even though the earlier cough had completely cleared up and he had been healthy for months.
Our most recent interaction with Embrace was the topper. He was diagnosed with heartworm, and you guessed it, the claim was rejected as a pre-existing condition, even though I see no connection between respiratory infections that have been cured and newly-diagnosed heartworm, and neither does our vet.
Apparently, everything is now a pre-existing condition in Embrace's eyes. I don't see what the point is in pet insurance if nothing, even things that are seemingly unrelated, aren't covered.
It may make more sense to cancel the policy, save the premiums, and pay out of pocket, since that's what we're doing anyway.
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.
