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 just wrote a five star review a week ago, as I have had very good service with Embrace, up until now. My dog had surgery, claim was submitted, three submissions of medical records (all to same email address) later, they did a review. Three masses were removed, surgery was done due to one of the masses containing cancerous cells. Two were non-cancerous, but we did not do a needle biopsy on those so did now know that until the pathologist told us so. Mass removal, none of it covered, even though we knew at least one was potentially cancerous, none of the pathology was covered, even though we had to make sure they got it all, and none of the anesthesia was covered. Are they supposed to do surgery without anesthesia? If they had bothered to really read the notes sent by the vet, they would know all of this. Oh and the $250 deposit that I put down prior to the surgery was closed, but I was told it would be reopened when the surgery was completed, so that is DENIED too. So my $1,700 bill became a $910.38 bill and somehow, even though my plan is 90% covered became a reimbursement of $458.79. Must be the new math. They way I see it, my 1795.96 claim, plus the $250 deposit should have been a $2,045.96, They should cover anesthesia, since we knew one was for sure cancerous, they should cover some of the pathology to determine we got it all and they should cover the removal of one mass. Even if they only cover 1/3 of those charges since two were non-cancerous, that would be an additional $295.19, add the $250 deposit to the $910.38 they say is covered totals $1,455.57. My plan is 90%, so that would be $1,310.01 covered, not $458.79. It is really simple math, and if you read the vet notes, it is all there for them to see.
Be cautious with this company. They were really good until they just stuck the knife in, big time.
The app is easy use. However every time I file a claim they say they need all paper work for my dog called the S.O.A.P. I have sent it numerous times via email and the app but keep getting my claims delayed by weeks or months because they say they do not have all her paper work when they do!!! It can be frustrating and annoying every time I file a claim have to explain they have all the paper work and then waiting months to finally get reimbursed after several back and forth emails. It's like nothing is saved in my file??? I Cant understand the issue.
Do not trust them. Make sure you have sent them all medical history before purchasing and have it cleared with full knowledge of what they will cover otherwise they will just jerk you around till ur out of coverage time
I have two policies with embrace. Never used them. I decided to give it a try with three bills from emergency vet visits in 2024. They weren’t bad but I had honestly forgotten about the insurance and just decided to see how it worked out. After six months of trying multiple phone calls. I was unable to get my receipts taken care of because they said Codie had been seen by a vet they had no records for in 2020. I was like ummm no I gave you all his vet visits. As he was rescued during the pandemic I had about four visits with different vets per who was excepting. I did a premimiary full exam with a one vet then had to go to another for follow up and finally switched a to a different one based on location and personal experience. The three bills were all less than 350 dollars. And were for diarrhea and one for a rash! It was no big deal dermatatis and probably something he licked in the Florida grass as he is a hound. But still they refuse to pay nor communicate with me. No matter how long I sit on the phone or how many calls I make. Mind you I have both and emergency and routine care policy that I have thus far paid them over 4500 dollars for. I’m canceling because this is ridiculous. They are just taking my money. And I can’t do anything about it. My next call will be a report to the bbb. They literally have stolen my money I feel. Hopefully someone is getting paid out with it.
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.
