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.
The most caring and sympathetic staff. I lost my precious pug and everyone from the customer care team to the underwriter had kind things to say to comfort me. We made the right decision to switch to Embrace for pet insurance.
I received a good explanation from one of their reps and I liked that I could apportion the extra Wellness package so we can get reimbursed partially on our dog's spaying and save some for dental or other work. There was no wait for coverage, We signed up Saturday, went into effect on Monday and our little "Gracie" had spay surgery on Tuesday. Like this insurance.
It was at least a 4-star prior to actually needing them for larger issues.
My corgi is 7, has been at a healthy weight and diet her whole life. No hereditary issues. Biggest concern we went to the vet for was a sprained knee a couple years back and a root canal from a tooth fracture a while ago (this was a result of chewing of those nylabones which have been banned from our house since). Everything else was routine.
We moved states so I called to update our address. My premium actually dropped by almost half which was awesome. Two weeks later they DOUBLED it from there at the policy renewal. I called to ask for an itemization of costs being factored and was denied that information.
They gave me the BS excuse it's inflation and rising vet costs and area etc... so in 14 DAYS inflation and vet costs doubled?...
A couple months later end of 2025, we go in for a cleaning and find she needs extractions due to some crowding and decay. I've done more for her dental care than most dog owners I talk to. Embrace tried to deny me under it being 'preexisting' because of tartar notes from January 2022... I had to do their job, going back and forth for a month, calling the original clinic of the root canal because they tried to bypass notes from care done July 2023 that showed a cleaning was done, therefore this was not preexisting. They finally paid out.
Around that time, corgi also had a spat of mobility issues. Not IVDD, nothing else crazy. Just wear and tear and a little arthritis. I was told on a call we had six PT visits covered. That's it.
Tried to submit claims for two PT visits. They were denied. Turns out, even though the therapist is a licensed animal specialist PT, because she herself is not a licensed vet nor does she work in a clinic being shadowed on her appointments by a licensed vet, the claim was denied. That caveat was never disclosed to me. Even with a valid referral from a licensed vet (we're not out here doing this for fun) it doesnt matter.
They find every reason they can to not pay. If I had known they would be so disappointing to work with, I would have been looking to change carriers before my corgi became a senior, and either paid a little bit more or just been done with insurance altogether. No better than health insurance for people.
For major issues that don't fall into loopholes, I'm sure it's cheaper than paying out of pocket overall. The what-if is what kept me. But it still feels like wasted money and resources I'd prefer not to spend.
I'm concerned that if I switch carriers now, she WILL have things considered pre-existing which will make it more expensive.
Bottom-line: ask harder questions, read fine-print (which I did for the dental work and they still tried to pull a fast one or were just incompetent), evaluate if you can do without, or pick a different carrier for a little bit more.
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.
