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.
Billing is more complicated than it needs to be and you need to get your claims submitted in a timely fashion or they are denied. My life is busy enough without having to add this hassle. I would much rather collect my bills for the year and submit them once. Not impressed.
I have had Embrace on all my dogs for over a decade. Sadly, it is time to say goodbye. Two premium hikes in a row make it unacceptable at this point. A 35%, over $1200 increase this year alone, plus the steep increase from last year puts my two pets at over $4000 a year, that is what I pay for homeowners insurance and certainly have a lot more coverage than $10,000 per pet. They have covered my dogs well for the most part, always some reason not to pay a claim but all in all have been good and fair in the coverage department. I just cannot stomach the high price any longer. I can stick that 4K in an investment and roll the dice at this point. I have researched other companies, one of the dogs I can switch, because he has no pre-existing conditions where they could deny a claim. Not so much for my senior citizen, she is stuck and I will have to reduce coverage percentage and increase the deductible to the maximum and see where it ends up before I cancel. That is all I can do, but it just doesn't make monetary sense to pay for a policy that costs a quarter of what the coverage is per year. They told me I can adjust the amounts of coverage online, but that is not the case. Only way I can see the numbers is to call them and go through it, when I asked for an email of the breakdown and options/cost of different levels of coverage that seemed to be a heavy lift for them. It is no longer worth the price. I paid them way more in premiums over the lifetime than they have paid in claims. That is for sure, only help it has been is not having to make the tough decision to put a pet down because you couldn't afford the procedures needed at that particular time. Now, I will just wait and see what happens and put it on a credit card if necessary. 11/26 Reply from Embrace. Apparently, they didn't pay attention to what I had to say. I already spent the time and energy and was not provided the information I requested. What more needs to be said. I feel they just want me to go away because I have a dog that is 13 years old and now it is time for them to start paying. Even though they have collected premiums for those 13 years she is now just a high risk. I know insurance and actuarial calculations, the fees are just too much for what you get. Plain and simple. The rent is too damn high!!
Price is competitive against other quotes I shopped for. Wellness plan seems like a great deal. Ultimately I didn't purchase.
I asked Embrace to review/advise if a particular matter would be deemed pre-existing or not, I also provided up to date medical records from my Vet to support the request. Their stance was they would not review medical records to advise on coverage until after I buy and wait for the 14 day waiting period. I get that things can come up between date of purchase and day 14, but my question was just as of today can you tell me if "X" would be considered pre-existing, based on the current records.
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.
