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.
Unfortunately we lost our baby girl. I called to cancel the policy after I was charged for another year and was told I would receive a email with the prorate amount. Here I am a week later and no email or refund to my account. Guess they figure I can lose my pup and my money so they profit. Nothing but a hassle with these folks
The company takes too long to process claims, loses the papers sent by the vet and then does not pay up. They raise premiums excessively. My other dog has another insurance with another company which is very good.
Complete scam. My dog (incredibly young, btw) came from the shelter with (likely preventative) treatment, now almost a year later this apparently is a "pre-existing" condition even though the tests he just received, had literally nothing to do with this temporary illness he may have had months and months ago. His first ever vet visit cleared him as a "perfectly healthy dog." Now, this will be an exclusion for ANOTHER YEAR even though again, none of these issues are even related to each other (also the recent test that excludes him from future coverage, and we paid for 100% out of pocket apparently, was literally diagnosed as NOTHING, at most anxiety or over excitement).
Not to mention, their website & app is INCREDIBLY glitchy. Half the time I can't even get into my portal, and there's a 50/50 chance when I login it will say they are having a technical issue of some kind. It also takes weeks to get a response from customer service unless you send multiple follow-ups. The processing time they advertise is not at all accurate.
100% regret throwing any money at this company.
Edited to add - wow! It may take days and multiple follow ups to get a response as to why your claim has been ignored for weeks, but when you post a public review, they really do respond quickly! We went through the entire appeal process as well, with our vet aggressively advocating for us, and they actually made the ruling worse than we started with. Just know if you move forward with Embrace, you will be punished every single time you choose to be a good pet parent and take your dog to the vet just in case. Even if they don't pay a penny, they'll use this as justification to cover nothing in the future. Not sure how they sleep at night knowing they are advocating for people not to get their pets checked out.
I called because I can not open the app, tried several times. It states not connected to internet, but all other apps work fine. Was told that "someone will be looking at acct, and work on problem." In the meantime I can " go on website". Also when I go to apps it shows it is installed, I touch open button and get same response. Perhaps if ad the app to the billing app it would work?? It does not affect my monthly payment, that comes out every month on same billing day. Please fix this.
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.
