Embrace keeps pet insurance refreshingly simple with one core plan that you customize to meet your budget. The plan protects your pet in the case of accidents, injuries, illnesses, and hereditary or congenital conditions.
We ranked Embrace in the top 3 for generous coverage payouts, extensive genetic and congenital health coverage, and the best wellness program. Alternative therapies, emergencies, nursing care, surgeries, rehabilitation, and diagnostic testing are also included in the core plan.
Embrace Pet Insurance Coverage
Embrace’s standard plan covers most of the usual accidents and illness health conditions as other pet insurance companies. What isn’t typical of most is their inclusion of prosthetics, alternative therapies and even prescription medication.
You can budget and personalize your plan according to you and your pets’ needs.
Boost your plan with optional wellness coverage that takes care of routine care and procedures for your pet.
The Wellness Rewards option also works gives you a choice of $250 to $600 to use to cover the following:
- Dental cleanings
- Flea and heartworm prevention
- Nutritional supplements
- Prescription medications
However, this is an add-on to an existing policy, and you can’t purchase wellness coverage without an accident and illness policy.
Embrace has 3 different wellness coverage a year from $250 to $650 to use towards the different procedures.
What also makes Embrace unique is holistic and alternative vets are among the choices of veterinarians in all standard policies. This also gives you the choice of bringing your pet to a chiropractor or even reiki and homeopathic veterinarians.
Hereditary & Congenital Conditions Coverage
Hereditary and congenital conditions are generally usually from a birth defect that is transmitted by the dog or cats parents. These gene defects run in families and some cat and dog breeds have many more of them than others, which is why it is called breed-specific condition.
These conditions can take years to develop and when they do show signs, as your pets’ age, it can be very expensive to treat them. An Embrace plan will pay your veterinary bills if your pet develops one as long as they are not what is called pre-existing.
Treatment for many these conditions requires corrective surgery, and some are chronic conditions that require ongoing care.
Some of the more common conditions are the following: elbow and hip dysplasia issues, cancer, patella issues and even intervertebral disc disease.
All Embrace illness and accident policies fully cover hereditary conditions with no per-incident or per-condition limits. You do not pay extra for this coverage.
Embrace ‘s Other Conditions & Treatment
When your pet visits the vet for an accident or illness, Embrace will pay for diagnostic treatment, testing, and prescription medications. If your pet requires surgery, they cover surgery and hospitalization.
Embrace also covers hospital and specialty care, x-rays, and even behavioral therapy.
Additionally, if your pet needs specialist care for an illness like cancer, Embrace will cover that as well.
Embrace, like Healthy Paws, is one of the few providers to cover alternative treatments in their most basic plan.
Alternative treatments that are included in their plans:
- Chiropractor Visits
- Physical Therapists
- Reiki and more
Embrace Pet Insurance Benefit Limit Choices
Embrace allows you to choose from different customizable benefit limits which is a nice option, but don’t have unlimited benefit coverage. Because policyholders can choose their benefit limit, it can help to lower the monthly premiums. This could be a good choice if you have a dog or cat this is still young.
The benefit range is from a low of $5,000 to a high of $15,000. This is the cap of what Embrace will pay for the policy year.
If your dog or cat has any surgery or even incident, you could easily hit that limit with one bill and can make it somewhat limiting.
Healthy Paws, for example, and some other pet insurance providers, have an unlimited benefit schedule.
Embrace’s policies are customized to fit your budget with reimbursement choices ranging from as low as 65% to their top reimbursement of 90%.
By choosing a lower reimbursement percentage, this can help to lower your monthly premiums. Figo is unique and the only company that offers a full 100% reimbursement option.
If you choose a Wellness program with Embrace, they offer three options: $250, 450 or up to $650 allowance per policy year.
Younger pets (puppies and kittens) require more vet visits their first year, so $650 is a good option for them, an older pet might need the middle or $450 option. It’s a nice addition to have that flexibility in a Wellness program.
Embrace Deductible Types
Embrace offers many different annual deductibles from a low of $100 to the highest of $1,000.
Annual deductibles mean that you only have to meet your deductible once per year and is usually our preferred choice.
Policyholders also can save with what is called Embrace’s Healthy Pet program. The program will decrease your annual deductible by $50 if you don’t submit a claim that policy year.
Healthy Pet Deductible applies only to accident and illness claims not wellness rewards.
If you want a lower premium, than opt for the higher deductible.
What Is The Cost Of Embrace Pet Insurance?
Embrace’s monthly premium costs are a little more than the other pet insurance companies, but you do get broader coverage with the standard plan. And because of the wider range of options available, you can really budget accordingly and lower your premiums.
The starting monthly premiums for most dogs is approximately $13 and $9 for cats.
And as with all pet insurance companies, the price can be affected by the breed of your pet, where you live and the age of your pet.
Embrace members can get a 5% discount for: military personnel, paying directly from your bank, neutered or spayed pets and if you enroll more than just one dog or cat.
A claim is really easy to submit. You just download the claim form from the site or they can mail the form to you. A staff member at your vet needs to sign it and you should include all the bills and receipts.
Embrace also has the option of direct deposit so you can reimbursed quickly.
Claim forms can be submitted through what is called MyEmbrace, their account on-line. You can also call them or of have the form faxed to your vet. You can check the status of your claim in your MyEmbrace account.
Wellness claims usually take five business days to process following the receipt of all of the necessary information. Illness and accident claims usually take 10-15 business days to process following the receipt of all of the necessary information.
Embrace Pet Insurance also offers unlimited access to this complimentary service called WhiskerDocs. WhiskerDocs is their 24/7 pet helpline providing instant, real-time access to veterinary experts. PetsBest has a similar 24/7 help-line which is always nice to have!
WhiskerDocs helps pet parents with questions about their pet’s behavioral changes, possible poisoning, signs of an emergency, and more. WhiskerDocs pet experts offer guidance on when, where, and how to use healthcare resources appropriately (but will not diagnose your pet).
It’s a nice addition to have if your pet has an after-hours emergency.
Enrollment And Waiting Period of Embrace
Embrace’s waiting periods are 14 days for accidents and illnesses. Some states, however, have a waiting period of only 48 hours.
You can enroll your puppy or kitten at six weeks old with 14 years being the oldest age to enroll.
Orthopedic conditions have a 6 month waiting period but there is an option to reduce this wait to only 2 weeks.
Similar to other pet insurance providers, Embrace requires that your insured dog or cat be seen by your veterinarian annually to make sure they stay healthy. And probably a very good idea anyway!
Embrace will automatically renew your policy unless you notify them via e-mail or phone that you wish to make changes or cancel your policy. If you need to change or modify your plan, email or call them 2 to 4 weeks before the renewal date.
Embrace donates $2 to an animal-related charity with every new pet policy, $10 to Woodward Animal Center for every pet that passes and also have a Foster Cat Program to provide temporary housing for cats and kittens in partnership with local rescues and shelters!
Embrace Reviews from Customers
Average customer review: 4.7/5
“Embrace is the Best Plan Out There”
I found out about pet insurance after my dog got sick. I applied to all the major plans, and Embrace was the only one that would cover him with his pre-existing condition.
1-Year-Old Purebred Boxer
San Francisco, CA
“We Love Embrace”
We’ve gone through a few pet insurance plans for our cat, and the claims we submitted were usually denied. Embrace has covered every claim we’ve submitted so far.
4-Year-Old Mixed Breed Cat
- Offers $50 Annual Healthy Pet Deductible™ Discount
- $2 From Every Policy is Donated to a Pet-Related Charity
- Embrace Runs a Foster Cat Shelter out of Their Office!
Embrace Pet Insurance Q&A
What alternative therapies does Embrace cover?
One of Embrace’s notable perks is the wide range of alternative therapy coverage included in every plan.
While you may find that many plans cover chiropractic care and even acupuncture, Embrace extends alternative care options that to include massage therapy, holistic, homeopathic treatment, and veterinary orthopedic manipulation (VOM).
Therapeutic laser treatment, rehabilitation, electro-acupuncture, BICOM therapy, hyperbarics, and reiki are also covered.
What is The Difference Between Embrace’s Plans?
The scope of coverage is the same for the core Embrace plan, regardless of your premium. Your dog is covered for treatment and care related to accidents, illnesses, and breed-specific conditions. You can add prescription medications with an inexpensive rider.
The big price difference in the premiums comes from differences in the annual limits, deductibles, and the percentage you’ll be reimbursed.
Less expensive premiums typically result from choosing lower annual limits, higher deductibles, and lower reimbursement levels. Request a quote and you can play around with the different annual limits, deductibles, and reimbursement levels to see which one results in a premium and coverage level that works best for you.
Is Embrace a Better Value Than Other Pet Insurance Plans?
Let’s say your vet bill is $1,000 and you have a $200 deductible and a 20 percent co-pay. Companies that apply the co-pay first would charge you 20 percent of $1,000, or $200, and then they would apply your deductible to the remainder.
Embrace applies your annual deductible first to reduce the $1,000 to $800. It would then apply your co-pay, which would now be 20 percent of $800, or $160. Right off the bat, you have saved $40 on this bill alone since your co-pay was $160 instead of $200.
Embrace’s discounts can save you even more money, and you can investigate these options when you request a quote.
You can see how Embrace fares to the other pet insurance companies that we reviewed by taking a look at our pet comparison chart.
What are the Wellness program options with Embrace?
If you choose a Wellness program with Embrace, they offer three options: $250, 450 or up to $650 allowance per policy year. Younger pets (puppies and kittens) require more vet visits their first year, so $650 is a good option for them and older pet might need the middle or $450 option.
What is not covered with Embrace?
Similar to most pet insurance policies, Embrace does not cover:
- Routine veterinary care (unless you purchase the wellness program addition)
- pre-existing conditions
- injury deliberately by you or any other person residing in your home or from fighting, racing, cruelty, or neglect
- cosmetic procedures such as tail docking, ear cropping, and declaw removal unless medically necessary
- DNA testing or cloning
- stem cell therapy that isn’t medically necessary
- avian flu
What Do Other Reputable Companies Say?
Looking for even more perspectives? Smart move! Don’t just take our word for it, check out the well-regarded company, Consumers Advocate, for an alternative review of Embrace pet insurance.
One Great Embrace Plan Covers Everything
Embrace offers one simple plan to cover all your vet bills.
The average customer Embrace Pet Insurance review 9.4 out of 10