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.
Fine until they increased my bill by over $100/month
I've had Embrace for several years with two dogs and up until now I recommended it to other people. I find it easy to submit claims online and they approve/pay pretty quickly. It was fine until this year when they increased my bill by over $100/month. I expected a small increase like every year but this is astonishing.
Adjusters never return your calls or messages. You can call a million times and you will never get a response from them. Customer service will try and help as much as possible but the adjusters need customer service training.
You will pay more with Embrace for far less coverage!
I am a veterinarian, so I have experience with most of the pet insurance companies out there. I got insurance on my own dogs when they were young, & thankfully have not had to use it much. My dogs (like most dogs) have had episodes of vomiting &/or diarrhea, & because of that have had diagnostic work-ups to ensure it wasn't something more serious. Therefore, claims were submitted for “vomiting” or “diarrhea.”
Now that they are middle aged, & I am not a poor vet student, I wanted a pet insurance with unlimited coverage, versus the annual cap of $15,000 I had per year when I originally signed up for my plan. At this time, Embrace did not even offer “unlimited” coverage, or I would have chosen it. Not to mention - my insurance with Embrace had gone up SUBSTANTIALLY over the past year (not once, but twice)…& is more than double what some of the other, better insurance plans out there cost.
When I signed up for Embrace, they DID NOT have or offer an unlimited plan. However, they now DO offer an unlimited plan. I tried to switch from the annual capped plan, to the unlimited plan, & the difference would only be $10 more a month. But when I went to do that, I was not able to without canceling my current plan, & starting a new one. Which would require a two week waiting period - which is understandable, & I was okay with. But what I was NOT okay with was that ANY of the previously submitted claims, for vomiting or diarrhea, would be counted as “pre-existing” problems, & would NOT be covered. I assured the manager that I spoke with that vomiting & diarrhea are symptoms of almost every ailment out there - & was told that ailments with symptoms of, or presentations for vomiting & diarrhea in the future, would now be “pre-existing” & not covered under the new plan. Vomiting is a sign of almost everything - any disease where a pet vomits - likely won’t be covered…
So for $10 less a month, I have an annual cap of $15,000. If you’re reading this & looking for pet insurance, I suggest you go with a company that offers unlimited coverage at a reasonable price, as >$15,000 is now a very realistic cost if your pet needs intensive care or surgery. Currently, I feel stuck with an overpriced company with a terrible annual cap. I have signed up with another company, with a better reputation for $200 less a month for unlimited coverage - once I see what they will cover & count as pre-existing, I will be canceling Embrace. Do yourself a favor, & don’t sign up with them in the first place.
I was very happy with Embrace. I felt my claims were handled in a timely manner. I like the fact that I was sent emails and messages so I knew where I stood along the way. it was very easy to file a claim.
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.
