An insurance policy is like a life jacket: You don’t think you’re going to need it, but then an iceberg hits and you’re happy as hell to have it.
What if Mittens is sick? What if Rex is injured? Pets need care too, and it can be expensive. Why not get your four-legged friend fitted for a life jacket so you can enjoy life’s unpredictability worry-free?
Embrace Pet Insurance reviews are filled with stories of beloved animals getting unexpectedly injured or sick and consequently requiring expensive treatments. Luckily, Embrace is there to save their owners from drowning in debt.
$200 - $1,000
70% - 90%
$5,000 - $30,000
What should you look for from a pet insurance company? Affordable prices top the list, of course. Extensive coverage. But perhaps most importantly, you want a reliable company that won’t cause you additional stress in a nerve-wracking situation.
Take all of those ingredients, add a generous dollop of altruism, and you’d have Embrace Pet Insurance.
Embrace was founded in 2003 and every step it’s taken since then has been in the right direction – as evidenced by the company’s large collection of awards.
None of this is surprising. Embrace started as a Wharton Business Plan Competition winner. The business plan became a business and today it is an exceptional insurance carrier that ensures pets get treated and owners get peace of mind.
Wherever you look, no matter how hard, you will be hard-pressed to find bad pet insurance ratings for this company. Embrace Pet Insurance reviews on the Better Business Bureau website might be a mixed bag, but the rating is an excellent A+.
This is because Embrace’s customer care agents are quick to respond to complaints and thorough when resolving them. They find out what went wrong, explain what happened to customers, and do what it takes to make it right.
Embrace’s altruistic endeavors are numerous. The company donates $2 to charity for every policy it sells, matches employee donations to charitable causes, and contributes to many animal-related causes. Not only that, but Embrace works hard to maintain an eco-friendly office and support volunteer activities.
The company even underwrites scholarships for veterinary-technician students. Even among its top pet insurance competitors, Embrace’s philanthropy is unrivaled.
All of this demonstrates that Embrace is a trustworthy company with great values. The rest of this review will focus on the services Embrace provides and how much money it charges for them.
Claims Process Time10-15 business days
Monthly Premium starts at$15 for cats and $25 for dogsVisit Site
Claims Process Time2 business days
Monthly Premium starts at$25 for cats and $35 for dogsVisit Site
Claims Process Time:Within 15 business days
Monthly Premium starts at:$10 for cats and $16 for dogsVisit Site
Embrace offers 70%, 80%, and 90% reimbursements for medical expenses. No matter which option you choose, your pet will receive coverage for:
Any pet younger than 15 years is eligible for a full Embrace policy. Owners of pets aged 15 and over aren’t out of options either, since Embrace has accident-only insurance coverage specifically for older pets. This is impressive. Among the top 10 pet insurance companies, Embrace is one of the few that don’t disregard older pets.
Here are the additional exclusions of the full Embrace policy:
It’s a long list, but those exclusions are both common and reasonable. Even with these limitations, Embrace’s is one of the best pet insurance policies you can find.
It’s worth taking a moment to clarify what “pre-existing conditions” means at Embrace, as this is something that tends to vary from company to company. Embrace does not cover injuries or illnesses that afflicted your pet – that showed symptoms – before the end of a short waiting period after you sign up.
Embrace offers a loophole for curable conditions if your pet doesn’t present any symptoms or need treatment for 12 consecutive months.
Your pet’s age determines which of the two Embrace pet health insurance plans you will have access to.
The accident and illness policy for the 14-and-younger group is extremely customizable. You can adjust the reimbursement limit, deductible, and reimbursement percentage. Keep in mind that no matter how old your pet gets, the complete coverage will apply to them as long as you enrolled them before they reached 15 years of age.
This policy costs a bit more depending on the age of your pet at signup. That’s common. All pet insurance companies require more money for older dogs.
Embrace Pet Insurance reviews the data you submit for your quote request, and pets that are 15 and older are automatically offered an accident-only plan. Unfortunately, this plan can’t be modified like the full-coverage plan.
Wellness Rewards is an optional preventive care package that covers grooming, vaccinations, training, microchipping, and the like. You can add it to any policy. It is not an insurance plan, the company says, but a budgeting program that lets you pay for these routine expenses as part of your monthly bill. Embrace even issues you a $25 reward every year for signing up.
When your pet’s health is at stake, you want to be as informed as you can be. Here are some of the most vital details of Embrace animal insurance:
Factors that determine your monthly pet insurance premiums are your pet’s place of residence, breed, and age. And of course you can customize the main accident and illness Embrace health insurance plan to suit your needs and wallet.
You can choose an annual reimbursement limit of $5,000, $8,000, $10,000, $15,000, or $30,000. The higher the limit, the higher your monthly premiums.
Your annual deductible is the amount you pay for care each year before Embrace insurance coverage kicks in. You can choose from these amounts for your deductible: $200, $300, $500, $750, and $1,000. The higher the deductible, the lower your premiums.
Finally, you can write a policy that reimburses 70%, 80%, or 90% of covered treatments. Increasing the amount that Embrace covers raises your monthly premium.
You can get your quote by visiting embracepetinsurance.com and filling out a short form. For example, let’s say you have a 4-year-old male beagle and you live in Arizona. Your monthly premium for full coverage would amount to $28.66 if you made the following choices:
With an accident-only plan, the options are preset to a $100 annual deductible and 90% reimbursement up to $5,000 per year. For our beagle that is now, for the sake of this example, 15 years of age, the premium would be $24.06 per month.
Embrace Wellness Rewards can be purchased for $18.75, $35.42 and $52.09 per month. The price is calculated based on the annual maximum that you pick ($250, $450, or $650).
Compared to other pet insurance providers, Embrace is quite affordable, especially considering all the different ways you can tailor the main policy to meet your needs and budget.
You can lower the cost of your monthly pet insurance premiums if you qualify for one of Embrace’s discounts. The discounts can be combined up to a cap of 25%.
The Embrace Healthy Pet Deductible is similar to the wellness plan. It encourages owners to take good care of their furry friends. It works like this: For every year that you don’t receive a claim reimbursement, your deductible is reduced by $50. It may not sound like much, but a few reimbursement-free years could get you a policy with a $0 deductible.
Next up is the multi-pet insurance discount. You don’t have to click on it or apply for it, just add another pet to your policy. A 10% reduction will be applied to the policy automatically.
Like most of the top pet insurance companies, Embrace offers a 5% military discount. To get it, you submit proof of your military service after you sign up for insurance. This discount isn’t available in all states.
Finally, you can get a 10% employee discount if you work for a company or veterinary practice that partners with Embrace. Before you start asking your co-workers about it, you should check to see if this discount is available in your state.
Embrace’s customer support is among the best in the business. Not only are support agents extremely helpful, but they can be reached 24/7 by phone, live chat, or video conferencing.
Policyholder reviews of Embrace Pet Insurance sometimes mention difficulties concerning claim reimbursements, but almost none report being unhappy with Embrace’s customer care. Excluding diagnosing or prescribing treatments, Embrace’s pet experts can assist you with pretty much anything concerning your pet’s insurance or health.
If you’re not an Embrace member yet, you can contact the customer care team via phone or email from Monday to Friday between 8:30 a.m. and 8 p.m. Eastern time and on Saturdays between 9 a.m. and 1 p.m.
If you’re looking for the best pet insurance that won’t cripple your budget, stop looking. Embrace offers flexible pricing options, great coverage, and first-rate customer support. The chances of being unpleasantly surprised are very low because this company is very clear about what it does and doesn’t cover.
From what we could see, the handful of negative reviews online were mainly written by people who didn’t read their policies thoroughly.
We have no hesitation in giving Embrace pet insurance our high rating.
The top 5 pet insurance companies in our estimation are Embrace, Healthy Paws, Pet Assure, Trupanion, and Figo.
Yes, almost all vets accept pet insurance. Whether you get reimbursed for your expenses or your vet gets paid directly depends on your insurance company.
Pet insurance covers all injuries and illnesses that occur after the start of your insurance coverage. We are aware of no pet insurance that covers pre-existing conditions. Aside from that, every company has its own specific set of exclusions.
Yes, Embrace is a good pet insurance provider. It covers a substantial number of conditions and it has a highly customizable pricing plan. If you’d like more confirmation, Embrace pet insurance reviews written by policyholders are a good source of informed judgments.