Embrace Pet Insurance Review
Embrace Pet Insurance was founded in 2003, but did not sell their first policy until 2006. Since then, by using a customer-centered approach they have been able to overcome every obstacle they have faced. The company prides itself on being down to earth, giving back to the pet community, and the implementation of green and environmentally friendly practices whenever possible. They pay flat rates on claims and are straightforward in their coverage, which translates to broad coverage and fast payouts.
Embrace pet insurance is ideal for pet owners who are seeking high customer service, and are in need of quality pet insurance that covers the a wide range of problems.
- Good website
- Wellness add-ons
- Multiple discounts
- Coverage limits
- High costs
- Not pure breed friendly
Plans/Pricing: (Rating: 7/10)
Embrace does not have different tiers of plans like most other pet insurance companies. Instead they provide 1 level of coverage to all, and let customer choose their own annual limits, annual deductible, and reimbursement level. This allows users to choose exactly how much their premium will be and how far their coverage will extend.
As a generic example, for a 3 year old medium sized dog, insurance will cost $40/month for an annual limit of $10,000, a $300 deductible, and 80% reimbursement level.
Waiting Period: (Rating: 7/10)
Following enrollment there is a 3 day waiting period for injuries and a 14 day waiting period for illnesses. There is also a 6 month waiting period for orthopedic conditions, but this can be brought down to 14 days if your pet undergoes an orthopedic exam. Any claims filed during these waiting periods will not be covered.
Availability: (Rating: 9/10)
Embrace is available in all 50 States.
Exclusions: (Rating: 7/10)
Pre-existing conditions, breeding, pregnancy, and cosmetic procedures are all excluded. Dental coverage is also excluded unless you purchase their “wellness rewards” add-on, but hereditary conditions are always covered, as long as they are not pre-existing.
Claims/Deductibles: (Rating: 7/10)
Embrace offers 5 choices for deductibles and 3 for reimbursement level. For deductibles, the choices are $100, $200, $300, $500, $1,000 annually, and for reimbursement the choices are 65%, 80%, and 90%.
Payouts/Limits: (Rating: 7/10)
Embrace has a maximum annual payout limit of $15,000. This is low compared to competitors and may prove problematic should you need treatment beyond the odd accident or routine wellness. Thankfully however Embrace has recently changed their plans and now do not have any lifetime limits.
Extras: (Rating: 8/10)
Through their “Wellness Rewards” plan Embrace offers coverage for routine care. This add-on covers things such as wellness exams, vaccinations, spaying/neutering, blood tests, behavioral training and dental cleaning. Customers are given the choice of annual limits of $250, $450, and $650. Monthly prices depend on which annual limit you choose, but can range anywhere from $20/month up to $50/month.
Embrace also offers “Rx Drug Coverage” with their plan. This covers prescription drug medications written by a veterinarian, and costs around $6/month.
Ease of Enrollment: (Rating: 5/10)
Embrace makes enrollment very easy. They only require you to put in your pets information to get a quote, and then set up a mailing address and payment. They also allow you to set up direct deposit, so you can get reimbursed for claims faster.
Customer Service: (Rating: 8/10)
Customer service can be reached by phone from Monday-Friday, 8:30am-8pm ET and Saturdays from 9am-1pm ET. Their toll free number is 1-800-511-9172. While they do not have a live chat option, they do have a good search bar on their website which helps to provide knowledge and support even after business hours.
Pricing and Details
Premium pricing is dependent on a variety of factors. Breed, age, and gender all affect the price, as well as geographic area, whether your pet is microchipped, and where your pet came from (i.e. breeder, shelter, friend etc.).
Based on Embrace’s most popular options customers should expect to pay around $37/month for dogs, and $22/month for cats.
*Sample price based on a 2 year old mixed breed male from Michigan with a $10,000 annual limit, $300 deductible, and 80% reimbursement level, with the “rx drug coverage” included as well.
Embrace accepts payment on a monthly and or annual basis. Customers who pay annually save 5% on their premium.
Pets as young as 6 weeks can enroll with Embrace, and if maintained the policy they will continue for your pet’s entire life. There is an upper age limit of 14 years for new enrollment however.
Embrace offers the optional “Wellness Rewards” plan to cover wellness treatment.
Yes, the main plans cover accidents and injuries.
$100, $200, $300, $500, $1000
Embrace will not increase the cost of policies due to filing claims.
There are annual limits of $5,000, $10,000, and $15,000. Embrace has also recently removed their lifetime limits.
Alternative therapy and hip dysplasia are both covered.
Pricing and Claim Info
Price Range for Dogs: $37 per month
Pricing Rage for Cats: $22 per month
Pricing Based on: 2 year old mixed breed male, with $10,000 annual limit, $300 deductible, and 80% reimbursement level, with drug plan included
Enrollment Age Minimum: 6 Weeks
Enrollment Age Maximum: 14 Years
Effective Date: Day after purchase
Waiting Period - Illness: 14 Days
Waiting Period - Accidents: 3 Days
Waiting Period - Heredity/Congenital/Other Conditions: 12 Months
Coverage: Both In-State & Out of State
Claims Cause Policy Increase?: No
Limits on Payouts
Per Incidence Limits
Annual Claim Limits
LifeTime Claims Limits
Congenital Conditions: No
Wellness Coverage: Yes
Special Coverage: Yes
Help and Support
Who is This Insurance Plan Ideal For?
Embrace pet insurance is best suited for owners who want broad coverage and good customer support.
What We Like
Embrace does an excellent job of presenting itself to the consumer. Their website provides great information about Embrace as a company and everything that they offer to potential customers. Whether it is knowledge about their insurance plans, interest into their charity work, or just to find out more about raising a pet, you can find it on their website.
Embrace offers a good wellness add-ons that cover everything from dental and preventative care, to vaccines and spaying/neutering. The wellness plan offers no deductibles, copays or waiting periods, so they don’t count towards your annual limit.
Embrace offers many possible discounts prior to enrollment. For example, they have a 5% multi-pet discount if you register more than 1 pet with them. They also give 5% discounts to spayed/neutered pets, active members of the military, and customers who pay on an annual basis. All of these discounts can really add up and save you lots of money.
What We Don’t Like
Embrace has a maximum annual limit of $15,000. This is much lower than many competitors, and could potentially be reached very quickly if you have a pet that needs expensive surgery. Thankfully though they have recently removed lifetime limits so this amount will renew each year.
Insuring a mid-sized dog with Embrace will end up costing on average around $40/month for only the main plan. When factoring in wellness coverage and drug coverage the price will be even higher. Considering the low limits they have the cost may not be justified.
Not Pure Breed Friendly
The upper limit is reduced significantly in respect to purebred dogs, with most maxing out at 6 years of age. They also excludes conditions certain breeds are prone to. This makes it less than ideal not just for those with older pets, but for those with purebred pets as well.
Embrace is an environmentally friendly, charitable, and innovative company. They offer insurance that covers almost every conceivable issue a pet could face, and they provide good support if any problem should ever arise. Unfortunately, they have low annual limits that a sick pet could easily reach, and their plans are a little pricey considering this. Overall though, Embrace is a business that truly cares about the well-being of their customers, and there are thousands of past clients who will vouch for their service.