Years in business
$200 - $1000
No Upper Age
Vet Exam Coverage
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:
How does Embrace Pet Insurance compare to others?
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:
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.
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:
Wellness Rewards can be used for:
Luckily, your cat will be covered for life once they are on the Embrace insurance plan.
Embrace Pet Insurance for a dog includes insurance coverage for all congenital, breed-specific, and chronic conditions. Additionally, it covers:
Wellness Rewards can be used for:
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.
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:
It is clear that all of these exclusions are fair.
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.
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.
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.
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
$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
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.
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.
Yes! Members receive a 10% discount when they enroll multiple pets. A 5% discount is offered to military professionals.
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.
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.