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.
Claim submission system is terrible. Constantly locking up in last phase of processing claim and have to start all over again. Issue has been going on for months.
We have been faithful to submit every claim on time, but ONE time, the website was not working and it wouldn’t allow us to submit. By the time we were able to, it was “outside the window” of allowance and our claim was denied. Incredibly frustrating. No flexibility. We will be dropping our pet insurance.
Great until my cat got old. I've been with them years, my cats been often sick and they were very helpful. She's been expense but it's never been more than 1500- 2000 a year out of an 8000 a year plan. We've had bad vets since the COVID so that's been costly. Now she's a senior and they raised my rates to $185 a month, from $75 month last year. I get it, they have to make money on every cat. But it's cruel to throw this boomerang on me after being supportive for a decade. She's full of life, has a thyroid issue and allergies. The hard thing is that they were reliable and great until now...and now they are socking it to me. So why help us keep our pets healthy and living long if you don't want to insure their elder years...what's the point? Lakshmi is an expensive cat, but if your are in the insurance business, occasionally you don't profit on a customer. I have to pray on this one.
7/11. Thank you for your reply below. As I said, I understand that this is a profit making business...and Embrace did help me, and insurance rates do go up. Thank you for financing my cats well being. But generally, whether it's rent or health insurance, heating costs, rate increases of necessary services related to fundamental survival in amounts that exponentially exceed any possible increase in an individual's income are certainly gossip worthy and reflect a certain kind of thinking in the organization that does it. Anyone who invests in pet insurance considers their pet family, and are vulnerable to warm fuzzy branding..and promises of a free ride. So, it's good for people to know that they will be locked into something that can bite them back. Like the health insurance companies who were dumping those who had cancer in the 1990s before Obamacare. Pet insurance isn't mindfully regulated yet. It will take a revolution. and the vet technologies have outpaced the wisdom of those who use them. Sneaking in that midyear rate increase in March as not being a policy renewal was a little sneaky too but like a bad marriage you are stuck with we will go on, even though it's really a dangerous financial predicament I've ended in with Em brace. Certainly gossip worthy indeed
And just for the record, on my part I always negotiate the rates with the vets I work with, in an attempt to keep this all reasonable. I never exploited my insurance.
Timely response after filing the claims. I truly appreciate this insurance, especially with a golden! It's proven to be essential and reliable! Thank you!
I am always worried with insurance companies but so far embrace has been great at covering our claims. Very fair and If I get another pet I will add to the policy
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.
