Embrace offers more customizable coverage than competitors, including a unique "Healthy Pet Deductible" that decreases over time if you don't file claims. The optional wellness add-on covers routine care. However, the policy structure is more complex, with numerous exclusions and conditions that can surprise policyholders at claim time.
Multiple coverage options, add-ons, and conditions make it difficult to understand exactly what's covered. Fine print contains numerous specific exclusions.
Unlike some competitors, Embrace has annual maximum payouts ($5,000-$30,000 depending on plan). Major surgeries or ongoing treatments can exceed these limits.
Exam fees have a separate sub-limit within your annual coverage. You may hit this cap before your main coverage is exhausted.
Embrace may add exclusions for specific conditions based on your pet's breed or medical history review. These condition-specific exclusions can be extensive.
Standard waiting periods apply—5 days for accidents, 14 days for illness. Orthopedic conditions like cruciate ligament issues may have 6-month waiting periods.
The "Healthy Pet Deductible" decreases by $50 each year you don't have a claim, potentially reaching $0 over time.
Optional wellness add-on reimburses routine care including vaccines, dental cleaning, flea prevention, and annual exams up to set limits.
Covers alternative treatments like acupuncture, chiropractic care, and hydrotherapy when prescribed by a vet.