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Embrace Pet Insurance Review

Embrace keeps pet insurance refreshingly simple with one core plan that you personalize to meet your budget.

Their customizable plan protects your pet in the case of accidents, injuries, illnesses, and hereditary or congenital conditions. Alternative therapies, emergencies, nursing care, surgeries, rehabilitation, and diagnostic testing are also included in the core plan.

Embrace Pet Insurance ranks in our top 3 for generous coverage payouts, extensive genetic and congenital health coverage, and the best wellness program. For more details about Embrace, continue reading our complete review below.

Embrace Pet Insurance

Embrace pet insurance logoEmbrace’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 pet’s 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 $650 to use to cover the following:

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.

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance
4.7 out of 5

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Hereditary & Congenital Conditions

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.

Chronic Conditions

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.

Alternative Care Treatments

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:

  • Acupuncture
  • Chiropractor Visits
  • Physical Therapists
  • Hydrotherapy
  • Laser Therapy

Customize Your Embrace Pet Insurance Plan

Embrace allows you to choose from a variety of different customizable options which is a nice feature.

Benefit Limit Options

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 limits range from a low of $5,000 to a high of $30,000 online or unlimited via a phone enrollment.

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.

Choose Your Reimbursement Percentage

Embrace’s policies are customized to fit your budget with reimbursement choices ranging from as low as 70% to their top reimbursement of 90%.

You can lower your monthly premiums by choosing a lower reimbursement percentage

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 Offers Multiple Deductible Types

Embrace offers many different annual deductibles from a low of $200 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 Deductible.  The program will decrease your annual deductible by $50 if you don’t receive a reimbursement 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.

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance
4.7 out of 5

Fetch a Quote

How Much Does Embrace Pet Insurance Cost?

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 (only available in NY), neutered or spayed pets (only available in NY) and if you enroll more than just one dog or cat.

Embrace members can get a 10% discount for a multi-pet policy (only 5% available in NY).

Enrollment And Waiting Period

Embrace’s waiting periods are 14 days for illnesses and 2 days for accidents in all states.

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.

Embrace requires that you take your pet for a visit within the 12 months prior to enrolling or a visit within the 14 day waiting period.

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.

How To File A Claim With Embrace

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 PawSupport. PawSuuport 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!

PawSupport 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.

Embrace Pet Insurance Customer Experience

The average Embrace Pet Insurance customer rated them 4.7 out of 5. 

Here are some Embrace customer reviews:

“Embrace is the Best Plan Out There”

boxer puppy embrace pet insuranceI 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”

mixed breed cat embrace pet insurance

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
Houston, TX

Embrace’s Philanthropy

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!

FAQ

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.

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
  • 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
  • avian flu

Embrace Pet Insurance

Embrace offers one simple plan that you can personalize to fit your pet’s needs and your budget.

embrace pet insurance
4.7 out of 5

Fetch a Quote

163 Comments
  1. Reply
    Chrissy 11/29/2015 at 4:09 am

    No deductible, no co pay and no waiting period! My dog’s health insurance is better than mine! 😉 Best money I have ever spent on my dog! This will save all dog lovers a lot of money in the long run!

    • Reply
      Pet Insurance U 01/21/2016 at 7:36 am

      Hahahah – you’re right, Chrissy! We’ve found most pet insurance plans sound better than the human health insurance plans we have over here!
      All the goodies you mention, however, are for the wellness coverage Embrace offers to cover routine wellness care.
      When it comes to coverage for medical and accidents:
      Embrace does have an annual deductible- but you can choose one as low as $100 (or all the way up to $1,000).
      It also has a co-pay, which is based on the percentage reimbursements. You co-pays, thus, could be as low as 10 percent of the vet bill (with 90 percent reimbursement).
      Embrace also applies the co-pay AFTER the deductible, which reduces your out-of-pocket expenses even more.
      And there is a waiting period, too, although it’s only 14 days for illnesses – and only 14 days for orthopedic conditions of you get a waiver from your vet. Very SHORT waiting period compared to many other pet insurance plans – and prob. ALL human plans!

  2. Reply
    Patti 11/30/2015 at 8:43 am

    No co pay is amazing! Getting this for my pup Dot (she’s a bull terrier). She hasn’t been neutered yet or anything so I think this is the perfect plan…. I agree with the poster below- this insurance is better than mine.. I hope things don’t go south with pet insurance like they have with human insurance lol.

    • Reply
      Pet Insurance U 01/21/2016 at 7:41 am

      Excellent, Patti! Glad to hear the wellness coverage is a good fit for Dot. As we mentioned in comment to Chrissy, the wellness option has no co-pay but other insurance options for medical and accidents do have one.
      And we, too, keep our fingers crossed every day that pet insurance doesn’t end up in the same ridiculous mess that now plagues human insurance!
      Thanks for comment!

  3. Reply
    Julian Holst 12/30/2015 at 1:50 am

    I’ve heard nothing but good things about this company, including their rating as far as paying claims. Some companies have great benefits, but if they don’t pay out, what’s the point? I’m about to purchase some insurance for my puppy, and after checking their pricing, I find out I can get wellness included in her plan, which includes spay/neuter and a lot of others. The price quote I got was $22.95 for a $5,000 limit, $500 yearly deductible, and 90% repayment based on the vet bill. You could get a lower deductible and go with 80% repayment if you didn’t want to pay such a high deductible, but I’m mainly concerned with the really high-cost kinds of problems like accidents and whatnot. But with the wellness plan, I almost meet my deductible after one teeth cleaning, a spay, neuter, flea control, etc., so the year after that is just $22.95 per month protection against a catastrophic event like getting hit by a car or getting a serious disease. To me, this is a no-brainer. 🙂

    • Reply
      Embrace Sucks 10/06/2016 at 5:58 am

      I am hoping that your puppy does not have any medical history. I thought the same thing when I purchased the insurance but that became the worst decision I have ever made. They will try whatever they could to decline the claim and explained it as pre-existing conditions even though you and your vet know that’s not the case. Then it comes to the appealing process. Firstly, they told me that their consultant vet (who has never seen my pet nor could they provide proof that their consultant vet reviewed every single world of the medial history) believes it is a pre existing condition because of test A, however test A could be impacted by other things therefore a conclusion cannot be made if Test B proves that test A is caused by something else. Once my vet and I proved that guess what, they told me that they still cannot cover the claim because there is another pre existing condition which again was just a wrong interpretation of test results happened years ago. It almost let me feel that when they cannot give you a reasonable explanation for the wrongdoing at the first place they try to find all these details happened in the past to justify their decision even though they are unrelated. They do that because they want to delay the process and hope people will just forget it. When being asked what need to do to overturn the case they said: We will send questionnaire to your vet to fill out. No response two weeks after my vet sent the questionnaire back to them and I had to call them everyday for the answers, once you are on their “blacklist” they will not return your phone calls or sometimes emails. Some days later they emailed me saying the information provided by the vet was not enough but no explanation whatsoever. I asked my vet to send me what they filled out and it turned out their questions were very vague, they either do not know what are the right questions to ask or they try to avoid to ask the right question because that’s not what they want to see. It has been four months since the day I started to fight with embrace and it turned out to be a very stressful experience and it makes me almost want to give up. It was not until recently when I told them I am going to initiate legal action that they started to cooperate and told me and my vet what exactly we need to do and provide. This could have been done four months ago. I am not discouraging people to get pet insurance because they could be a good thing, I want people to be aware of the unlawful practices in this industry, please please do not give up when they reject your claims because of what they called the pre existing condition, we need to fight so that they will stop bullying the pet parents.

    • Reply
      Pet Insurance U 01/21/2016 at 7:43 am

      Julian! Your comments are always so full of good info – and it sounds like you’re rocking your research into pet insurance options. Good job and thanks! for your ongoing input!

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