Embrace Review - Pet Insurance
About Embrace Pet Insurance
Founded in 2003, Embrace Pet Insurance is one of the leading pet insurance providers in the USA, offering comprehensive cover for both dogs and cats. They are consistently among the top-rated pet insurance companies and have outstanding reviews and ratings online, including praise for their customer service.
Embrace has only one plan available, but it offers extensive insurance for your pets which keeps the process easy for customers. It covers both accidents and illnesses, giving you peace of mind that your cats and dogs are insured for both scenarios. On top of that, the coverage is wide-ranging and you can get up to 90% off your vet bills compensated after making a successful claim.
- Range of discounts available
- Full cover for congenital conditions
- Wellness rewards
- Pets owners receive 90% reimbursement
- Pets aged 15+ are limited to Accident-Only coverage
- Does not cover issues caused by pregnancy, neglect or abuse
- Embrace Mobile app is available to download and use on the go for Android and iOS devices.
- MyEmbrace online account streamlines the pet insurance experience, making it quicker and easier to manage your policy and submit a claim. It is accessible via the company’s website and from the mobile app.
- Offers a range of discounts including 5% off for every additional pet you sign up and a further 5% discount if your pet is spayed/neutered.
- Receive $50 off your deductible for each claim-free year.
- 30-day money-back guarantee if no claims are covered.
Application & Approval Process
The application process should take no longer than 10-15 minutes to complete. To start, you must visit their website and enter the following details (alternatively, you can apply for the insurance via telephone call with one of the agents):
- Pet’s type (cat or dog)
- Pet’s breed
- Pet’s age
- Zip code
After filling in these details, you can proceed to the next section and view your quote. The next screen will detail the recommended coverage plan for your pet insurance as well as the premium if you decide to utilize coverage. In addition, there is a number of ways to customize your plan.
During this stage you can alter the annual reimbursement limit, the deductible, level of reimbursement, and whether or not you want to have prescription drug coverage.
You will also receive a 5% discount per additional pet that you enroll to the same insurance policy.
Finally, you can review your claim and pay for your first premium where your pet will be covered immediately. However, there is a 2-day waiting period for accidents and a 14-day waiting period for any illnesses. If your pet suffers from orthopedic issues, then you must wait 6 months before you can receive reimbursement.
Note that your pet needs to be at least 6 weeks old to receive any form of pet insurance. Any pets that are aged 15+ will only be eligible to receive the Accident-Only coverage.
Premiums & Deductibles
Embrace offers a number of money-saving options such as $50 off your deductible for each claim-free year, and discounts for any spayed/neutered pets. As previously mentioned, each plan is fully customizable with the maximum yearly payout being acceptable to alteration.
The premium amount varies considerably based upon the breed, age, chosen deductible, reimbursement percentage, and reimbursement limit.
For example, if you have a 5-year-old Labrador Retriever and choose the lowest option for each customizable option ($5,000 reimbursement limit, 70% reimbursement, $750 deductible, and no prescription medication coverage), the policy will cost you $24.72 per month. If you wanted to go for the best policy for the same animal, it would cost $135 per month.
Plan Options & Coverage
Embrace’s Accident and Illness Coverage includes:
- Cancer treatment including chemotherapy
- Chronic conditions (i.e. allergies)
- Congenital conditions
- Dental trauma
- Exam fees
- Genetic conditions (i.e. hip dysplasia)
- Prescription drug coverage
The procedures that Embrace covers are:
- Allergy testing
- Alternative therapies (such as acupuncture)
- CT scans, MRIs, X-rays, & ultrasounds
- General, specialist, & emergency care
- Hospitalization & surgery
- Lab tests & biopsies
- Physical therapy (such as hydrotherapy)
It is important to highlight that congenital disease conditions are covered as it is rare to find in the pet insurance industry. This means that any condition or health concern which is present from birth will still be covered under the insurance. This is beneficial for pets that have breed-specific issues, such as breathing difficulties and certain types of cancer.
On the other hand, Embrace will not cover your pet for certain pre-existing medical or dental conditions. They also do not include any issues that arise due to your pet becoming pregnant or medical conditions which have been triggered from neglect or abuse.
However, Embrace does classify pre-existing medical conditions rather fairly. They distinguish curable and incurable pre-existing medical conditions and will subsequently cover the curable conditions if your pet goes for 12 months of treatment and is symptom-free.
If you are concerned about your pet’s pre-existing medical conditions, then you can request a free medical history review after you take out a policy. If you are unhappy with the results, then you are entitled to a full refund within the first 30 days.
Submitting a new claim with Embrace pet is easy. Simply log in to your online account (MyEmbrace) and download/print the form. You can then take this to your vet, and a member of the office should fill out the form and provide you with an itemized invoice that you can forward to Embrace via the online system, fax, or email.
Once your claim has been submitted, you will receive your reimbursement within a few weeks.
Extras & Customer Support
Alongside its Health and Accident insurance, Embrace offers Wellness Rewards, a great budgeting plan/rewards scheme which supports owners in the costs of everyday pet-care. You will have to pay extra for this service, but it’s great for pet owners that wish to provide routine care to keep their pets happy and healthy.
This covers things such as grooming, microchipping, training, vaccinations, and preventative mouth cleaning. Here are the wellness rewards levels and their prices:
- $250 allowance per policy year / $18.75 per month
- $450 allowance per policy year / $35.42 per month
- $650 allowance per policy year / $52.09 per month
You can join the official Embrace Pet Insurance community on Facebook, where you will be able to ask questions to other members and contact the support team directly.
Embrace is commended by its existing customers for displaying excellent support service. Their team is available 6 days a week from 8.30 AM to 8 PM (ET) Monday to Friday and 9 AM to 1 PM (ET) on Saturdays. Customers can get in touch through a range of contact options including phone and fax.
Address: Embrace Pet Insurance, PO Box 22188, Beachwood, OH 44122-0188
Phone: (800) 660-8726
Email: [email protected]
Fax: (800) 238-1042