Embrace Pet Insurance Review
Embrace keeps pet insurance refreshingly simple with one core plan that you customize to meet your individual 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 offers a standard plan that covers the typical accident and illness conditions. It also covers treatments that most insurers don’t, including alternative treatments, behavioral therapy, and prosthetics as well as prescription medication.
Every Embrace accident and illness policy comes with the same coverage and you can personalize it to fit your budget and your 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 as a flexible spending account by giving you an annual $250 to $600 to use to cover dental cleanings, flea and heartworm prevention, nutritional supplements, spaying or neutering, and 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 also offers three options for Wellness Rewards reimbursement, you can choose the perfect amount for each pet, each year. $250 allowance per policy year up to $650 allowance per policy year.
What also makes Embrace unique is that alternative and holistic veterinarians are included in your accident and illness policy at no extra charge. This includes chiropractic care, homeopathy, holistic therapy, hydrotherapy, reiki and more.
Hereditary & Congenital Conditions
Hereditary and congenital conditions are generally caused by a defect in the underlying genes that are transmitted to a puppy or kitten from his or her 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 lie dormant for years. When they do show signs, it can be very expensive to treat them. An Embrace plan will pay your veterinary bills in the event that your pet develops one as long as it is not pre-existing.
Treatment for many breed-specific conditions requires corrective surgery and some are chronic conditions that require ongoing care. Among the most common breed-specific conditions are:
Hip dysplasia, elbow dysplasia, patellar luxation, Interverterbral disc disease (IVDD), Cancer and Allergies.
All Embrace accident and illness policies fully cover breed-specific conditions with no per-incident or per-condition limits. You do not pay extra for this coverage.
Other Conditions & Treatment
Embrace offers coverage for chronic conditions, like ear infections, allergies, renal failure, and cancer.
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 at no additional charge. Alternative treatments include acupuncture, chiropractor, physical therapy, and hydrotherapy, reiki and more. Other pet insurances charge extra for this type of coverage.
Embrace offers an annual maximum that is customizable, although the highest limit is lower than some other companies, and they do not offer unlimited coverage. By allowing their policy holders to customize their options, it can be beneficial in lowering premiums. This could be a good option for a younger dog or cat.
The lowest limit is $5000, while the highest is $15,000. This refers to the maximum they will pay for all incidents and procedures for the entire year. If your pet requires multiple, serious procedures, or cutting edge treatment, this might be limiting for you dog or cat. It is not uncommon for a medical bill for an emergency treatment or a serious injury is in the $20,000 range. Healthy Paws is one of the few that we reviewed that has an unlimited benefit schedule.
Embrace’s policies are customized to fit your budget. Embrace will cover anywhere from 65% to 90% of your actual vet bill. Choosing a lower reimbursement percentage will lower your monthly premiums. Figo is the only provider we know of that offers a 100 % reimbursement rate.
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. It’s a nice addition to have that flexibility in a Wellness program.
Embrace offers a wide range of annual deductible options — $100, $200, $300, $500, $750, and $1,000, which gives customers even more flexibility in designing a policy that fits their budget. Annual deductibles mean that you only have to meet your deductible once per year and is usually our preferred choice.
Policyholders also save with Embrace’s Healthy Pet Deductible program, which decreases the deductible by $50 every year that you don’t submit a claim! This can really help especially if you have a younger dog or cat.
Healthy Pet Deductible applies only to accident and illness claims. Wellness Rewards claims for routine care are handled separately.
As with most policies, the higher the deductible, the lower the monthly premium.
What Is The Cost Of Embrace Pet Insurance?
Embrace’s monthly premium costs are a little higher 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, the policy is more customizable, enabling you to keep premiums as low as you need.
The starting monthly premiums for 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.
A 5% discount is available to pet owners with spayed or neutered pets, for those with multiple pets, for those making annual payments, and for members of the military and paying through your bank account instead or credit card.
To make a claim, you can just fill out a claim form that you can download the form on the website or have it mailed to you. The form must be filled out by a veterinary staff member. Include all relevant invoices and receipts and fax or email them all to the company. Embrace offers direct deposit to get you the reimbursement as quickly as possible.
Claim forms can also be uploaded through MyEmbrace, their online customer account. 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 5 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
Embrace’s waiting periods are pretty much standard when compared to other companies. For accidents and illnesses, the waiting period is 14 days. However, in some states, the waiting period for accidents is only 48 hours, or two days.
You can enroll your pet as young as 6 weeks old and 14 years old is the maximum enrollment age.
There is an additional six month waiting period for dogs for orthopedic conditions, but there is an option to have this reduced to as little as 14 days.
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, just email or call them 2 to 4 weeks prior to 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 compares 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, breeding, pregnancy, 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 or avian flu.
What Do Other Review Focused 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