Home > reviews

Embrace Pet Insurance Reviews 101 [All The Key Details In 2020]

Best Wellness Rewards Program
Editor Rating
Visit Website

show more

Strengths

  • Member of the North American Pet Health Insurance Association
  • No per-incident maximum on claims
  • 10% discount for more pets
  • 24/7 PawSupport via video, phone, live chat

Weaknesses

  • $25 enrollment fee for members
  • Coverage applies only within the United States
  • 15 years old pets can only be enrolled for accident coverage and not illness

Breakdown

Years in business

17

Claims Processing

5-15 Days

BBB Rating

A+

Deductibles

$200 - $1000

Age Limit

No Upper Age

Vet Exam Coverage

Yes

The Ohio-based pet insurance company offers personalized and comprehensive plans for cat and dog owners all across the United States. Embrace is one of the best pet insurance companies available in the U.S., which is proven by the many positive Embrace Pet Insurance reviews online.  

Embrace offers wellness rewards that guarantee reimbursements for preventive and routine pet care. It is a member of the North American Pet Health Insurance Association and the $59 million paid claims in 2019 are testimony to their quality care and service. 

With excellent review rates all across the country, Embrace holds an A+ rating from BBB as well as a 9/10 rate based on pet insurance reviews

In this review we will look at:

  • Key insurance details
  • Insurance coverage
  • Limitations and exclusions 
  • Claims and repayments 
  • Pricing and plans 
  • Customer service 
  • Added benefits 
  • Pros and cons

Key Embrace Pet Insurance Details

There are four key factors that make Embrace one of the top pet insurance companies to consider. They pride themselves in looking at the details and creating policies that fit both owner and pet. The 4 key factors include:

  • They Evaluate Pre-existing Conditions Fairly: Most pet insurance companies don’t offer coverage to pets with pre-existing medical conditions. Embrace takes the time to evaluate the degree of these medical conditions and provide coverage to conditions that can be cured within a 12-month period.
  • Extra Wellness Rewards: Wellness reward points can be used towards covering grooming, preventive veterinary care, and even training costs.
  • Diminishing Deductibles: For every year you don’t put in a claim, Embrace pet health insurance will reduce your annual deductible with $50. This is a free feature.
  • Exam Fee Coverage: Compared to other insurance policies where exam fees add an extra deductible, Embrace covers exam fees

Embrace Pet Insurance Coverage

How does Embrace pet insurance work? Well, Embrace dogs & cats insurance plans are quite straightforward. They offer only one comprehensive plan that covers 90% of your pet’s vet bills

For Cats and Kittens

A comprehensive Accident and Illness plan is available for your cat. It’s optional to add the Wellness Rewards plan that assists with extra services that aren’t typically covered by pet insurance. A great benefit is that your cat can visit any licensed vet of your choice and the coverage includes the following: 

  • Vet examination fees
  • Rehabilitation, behavioral, and recovering therapy fees
  • Prescription medicines
  • Dental illness coverage of up to $1,000 annually
  • Surgery and hospitalization
  • Treatment of cancer, congenital conditions, and breed-specific conditions
  • Special care and emergency care

Wellness Rewards can be used for:

  • Microchipping 
  • Neuter surgery
  • Rabies and other vaccinations
  • Regular vet checkups
  • Grooming

Luckily, your cat will be covered for life once they are on the Embrace insurance plan.

For Dogs and Puppies

Embrace Pet Insurance for a dog includes insurance coverage for all congenital, breed-specific, and chronic conditions. Additionally, it covers:

  • Vet examination fees
  • Rehabilitation, behavioral, and recovering therapy fees
  • Prescription medicines
  • Dental illness coverage of up to $1,000 annually
  • Surgery and hospitalization
  • Treatment of cancer, congenital conditions, and breed-specific conditions
  • Special care and emergency care
  • Prosthetic limbs, mobility devices, and mobility aids 

Wellness Rewards can be used for:

  • Microchipping 
  • Neuter surgery
  • Rabies and other vaccinations
  • Regular vet checkups
  • Grooming and nail trims
  • Flea, tick, and heartworm preventatives
  • Teeth cleaning
  • Nutritional supplements

Where is Embrace Pet Insurance located? Where is my pet covered? Even though the company’s offices are in Ohio, they cover pets from all around the United States. Unfortunately, the coverage doesn’t apply when your pets travel with you abroad. Some states have a longer or shorter waiting period and different prescription medication options. It’s best to consult Embrace for further information on this. 

Embrace Pet Insurance Exclusions and Limitations

Regardless of the fact that this company has almost everything covered, there are a few things not included in their plans. Here is a list of exclusions and limitations:

  • DNA testing and cloning
  • Nuclear war or avian flu
  • Cosmetic procedures that aren’t medically recommended
  • Stem cell therapy
  • Breeding, pregnancy, and whelping
  • Injury caused by cruelty, fighting, racing, or neglect

It is clear that all of these exclusions are fair. 

Claims & Repayment

Embrace offers pet insurance plans with a very easy claiming process. Once your pet is out of the waiting period (2 weeks after you get the insurance), you can submit your claim using the easy online process

Bills from any licensed vet in the United States are covered, no matter whether it’s a regular local veterinarian, rehab center, specialist, or an emergency hospital. Submit your claim through fax, mail, email, the MyEmbrace website, or the Embrace pet insurance mobile app

Once the claim has been approved, the reimbursement will be done by either direct deposit or check. It’s as easy as logging in online and checking your claim’s status. 

Pricing, Deductible & Plans

Depending on your pet’s age, size, location, and breed the monthly Embrace pet insurance cost will differ. The company’s easy customizable coverage calculator lets you find a plan that fits your budget. 

Breed: When it comes to your pet’s breed you can choose your annual deductible. The higher the deductible, the lower the premium. Deductibles are either $200, $300, $500, $750, or $1,000.

Age: Older pets are more expensive to insure because they are more prone to obtaining medical conditions. For older pets, you can choose a reimbursement percentage. You can choose between 70%, 80%, or 90%.

Location: Vet fees depend on which area you live in, considering the area’s veterinary services and fees you can choose an annual maximum amount for your pet. Maximums are $5,000, $8,000, $10,000, $15,000, or $30,000. An unlimited option is available on request.

As an indication of what Embrace Pet Insurance might cost, for a 2-year-old, male Labrador with an annual maximum of $10,000, and an annual deductible of $200 and an 80% reimbursement level – you are looking at a monthly premium of about $40-$45. 

Discounts: Members will receive a 10% discount when they enroll multiple pets. A 5% discount is offered to military professionals. 

Customer Service

Many online Embrace Pet Insurance reviews testify to the company’s great customer service. A 24/7 helpline that’s accessible on most mediums and devices is offered to all members, ensuring that your pets receive the best care and owners receive great emergency advice at any time of day or night.

Pros & Cons

Great rewards with Wellness Rewards system

No per-incident maximum on claims

Up to 10% discount for multiple pets

User-friendly website and mobile app

No upper age limit for pets

24/7 PawSupport

$25 enrollment fee

Only covers your pet within the United States

Coverage doesn’t apply when travelling abroad

Pets older than 15 years can only be enrolled for accident coverage, not for illness coverage

Embrace Pet Insurance Reputation

With a BBB rating of A+, a Google reviews rating of 4.2 out of 5 from 492 customers, an 8.2 out of 10 rating from Canine Journal, and a 4.6 out of 5 rating from Pet Life Today, it’s fair to say that Embrace has a great reputation.  

Most Embrace Pet Insurance online reviews are from satisfied clients who feel like the company truly cares about their pet’s well being. No hidden costs and no extra fees or charges. A really straightforward and all-inclusive plan that can fit anyone’s budget. 

Why Embrace Pet Insurance?

Are you still asking yourself, is Embrace a good choice for pet insurance? The answer is a definite ‘Yes’. The advantages they provide combined with easy-to-understand, complete pet insurance plans & coverages give them a lot of extra points on customers’ Embrace Pet Insurance reviews. Compared to other pet insurance providers, they offer more benefits. 

For a pet insurance provider you can definitely trust with your pet’s well-being, consider enrolling with Embrace Pet Insurance.

Best Wellness Rewards Program
Editor Rating
Visit Website

show more

FAQ

Does Embrace Pet Insurance offers any discounts?

Yes! Members receive a 10% discount when they enroll multiple pets. A 5% discount is offered to military professionals.

Is there a list of veterinarians Embrace Pet Insurance works with?

Bills from any licensed vet in the United States are covered, no matter whether it’s a regular local veterinarian, rehab center, specialist, or an emergency hospital.

How can I reach customer support?

24/7 helpline is accessible to all members on most mediums and devices, ensuring that your pets receive the best care and owners receive great emergency advice at any time of day or night.