Embrace Pet Insurance Review
Embrace Pet Insurance Review: Vet-Verified
Last updated 1/9/2017. By Dr. Pippa Elliot, BVMS, MRCVS
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.
Our veterinarians ranked Embrace in the top 3 for generous coverage payouts, extensive genetic and congenital health coverage and a state of the art wellness program. Alternative therapies, emergencies, nursing care, surgeries, rehabilitation, and diagnostic testing are also included in the core plan.
You can adjust your monthly payments by selecting your own deductible, reimbursements, and annual payout limits. Annual deductibles range from $100 to $1,000. Choose between Reimbursements of 70 to 90 percent of the actual vet bill. Annual benefits range from $5,000 and $15,000 per year.
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.
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Embrace Pet Insurance Reviews: Real Customers
“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.
“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.
Embrace Pet Insurance Q&A
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.
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.
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 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.
One Great Plan Covers Everything
Embrace offers one simple plan to cover all your vet bills.