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Embrace Pet Insurance Review

Review: Embrace

This review was created to help you better understand the pros and cons of Embrace Pet Insurance.

This review was created to help you better understand the pros and cons of Embrace Pet Insurance.

    About the Company

    Embrace Pet Insurance offers accident and illness coverage, as well as a Wellness Rewards program. With over 15 years of experience, they are underwritten by American Modern Insurance Group.

    The company provides comprehensive options, diminishing deductibles for healthy pets, and access to a 24/7 pet health line for emergency services

    Pros Cons
    A+ rating on BBB Wellness plans capped at $650
    Covers your pet during travel abroad No unlimited options
    Multi-pet discounts Hidden fees
    Wellness plan available

    Best option for:

    • Going to any veterinarian in the country with no network limits
    • Wellness care, which includes routine exams and spraying or neutering surgery
    • 24/7 access to Embrace’s emergency health line

    Benefits of Choosing Embrace

    Why choose Embrace for your pet’s health insurance? Embrace offers unique coverage options, including grooming and dental cleanings, which many companies don’t offer. 

    They also provide discounts and options for cost-saving, so long as you’re smart about. Make sure you choose the plan that seems most suitable for your pet so you don’t end up with hidden fees. If your pet remains healthy while under the plan, you can even lower your annual deductible and protect your budget.

    Features and Services

    Embrace helps protect your dog or cat from unexpected injuries or illnesses. They cover many  aspects of your pet’s health and behavioral needs. Depending on your budget and needs, you get to decide your deductibles and limits.

    Here’s a breakdown of the features included in Embrace’s main Accident and Wellness plan.

    Diagnostics Procedures Medication Accidents Illnesses
    Exam fees Outpatient care Prescription drugs Unexpected events Chronic conditions
    X-rays Specialty care Behavioral therapy Road accidents Infections
    Ultrasounds Emergency care Alternative therapies Sickness Congenital or hereditary conditions
    MRIs Surgery Rehabilitation Dental illness
    Lab work Hospitalization
    CT scans
    Blood tests

    Accident and Illness Plan

    Embrace offers accident and illness plans for cats and dogs, which include some unique services, such as dental coverage, up to $1,000 annually. 

    Some of the conditions and services covered under Embrace’s base plan include but are not limited to the following:

    • Gingivitis
    • Root canals
    • Oral masses
    • Broken bones
    • Allergies
    • Diabetes
    • Cancer 
    • Biopsies
    • Therapeutic laser treatment
    • Prosthetics
    • Wheelchairs
    • Insulin
    • Pain relievers (depending on state)

    Embrace does not cover pre-existing conditions, but they do cover pre-existing curable conditions, so long as your pet is symptom- and treatment-free for 12 consecutive months.

    Accident-Only Plan

    Embrace offers accident and illness plans for any cat or dog under the age of 14. If your pet is 15 years or older, then you have the option of choosing an accident-only insurance plan. 

    You only get one option for the accident-only plan: a $100 annual deductible with a $5,000 limit. Embrace will reimburse 90% of the approved claims.

    While this doesn’t cover illnesses or conditions like cancer, diabetes, it will protect your pet and your budget in the case of an accident. However, you must purchase this plan over the phone.

    Wellness Rewards Plan

    Not all pet health insurance companies offer wellness plans or preventative care, but Embrace does. Although it is completely separate from their accident and illness insurance policy, it is great for any pet owner who wants to save on extra pet costs.

    You can choose between three annual reimbursement allowances per pet:

    • $250 
    • $450
    • $650 

    Here is a breakdown of the services and products covered by Embrace’s Wellness Rewards:

    Reimbursable Products and Services
    Wellness exam fees Flea, tic, and heartworm preventatives Preventative teeth cleaning Grooming
    Vaccinations and titers Microchipping Prescription diet food Nutritional supplements
    Spraying and neutering surgery  Wearable pet activity monitors Gastropexy Medicated shampoos
    Fecal and routine blood testing Routine and gland expression Cremation or burial Toe nail trimming
    Training Routine chiropractic care Reiki, massage therapy, and acupuncture Hip dysplasia exams, radiographs, or OFA testing

    Plan Exclusions

    Like most pet insurance companies, Embrace doesn’t cover everything. Here’s what’s not covered by Embrace:

    • Pre-existing conditions
    • DNA testing
    • Breeding services
    • Cosmetic procedures
    • Injury or illness from neglect or fighting
    • Breeding 

    Embrace is a good option for pet owners who want comprehensive options. They provide carts, wheelchairs, as well as dental care, and behavior therapy, which many pet insurance companies don’t.

    Claims Process

    Unlike accident and illness insurance plans, the Wellness Rewards coverage begins the day of purchase. However, it does not roll over and it’s non-refundable (outside of the 30-day refund policy). 

    You can make a claim after the following:

    • 2 days for accidents 
    • 14 days for illnesses
    • 48 hours for accidents
    • Six months for orthopedic conditions or 14 days if you complete the Orthopedic Exam and Waiver Process 

    No claims will be reimbursable during the waiting period, even if your pet is in an accident. You also need to present a medical exam for your cat or dog within the previous 12 months prior to your policy, or within 14 days of signing. A medical exam is not required to acquire a policy, but it may be required for claim reimbursement.

    Insurance Options

    With Embrace, it’s important to choose the right plan. You cannot decrease your plan at any time after purchasing a policy, so it’s better to start with $250 rather than $650. 

    With Embrace, minimum deductibles start at $200 and are capped at $30,000 annually. You also owe a one-time enrollment fee and monthly installment fees if you don’t want to pay for the 12-month plan upfront.

    Starting costs for Embrace plans begin at $6 per month for a cat and $12 for a dog, which is competitive pricing compared to other companies.

    With Embrace, you have a 30-day money-back guarantee, as well as a $2 donation on every policy. They also offer a 10% multi-pet discount and a 5% military discount on their pet insurance plans. Just make sure you reach the terms and conditions of your policy before proceeding, so you know exactly what you owe.

    Customer Service and Support

    You can contact customer service by calling 800-511-9172, emailing hello@embracepetinsurance.com, or using the live chat feature on their website for a real-time interaction. 

    Embrace is accredited by the Better Business Bureau (BBB) and they hold an A+ rating from the organization. Reviews are poor on the BBB with a customer rating of 1.43 out of 5. Embrace responds to most, clarifying details.

    Here are some Embrace reviews from past customers:

    Sara S. via Trustpilot said:

    Excellent customer service. I received my payments very quickly. I highly recommend the company!

    Stephen Kim via Trustpilot said:

    Claims were easy to submit and the turnaround time for payment was within a few days. Excellent communication and service!

    Our Conclusion

    Embrace is a great option for pet owners who have multiple pets in need of coverage. No matter the ages, each pet’s plan is individualized. However, it’s a good idea to review the terms and conditions of your policies, so you know exactly what’s covered, what’s not, and how much you’ll be paying. 

    With Embrace, you get a lot of add-on options that you can’t find at other pet health insurance companies. With an A+ rating from the BBB, it’s clear that Embrace pet insurance is worth considering.