Embrace Pet Insurance Review
Embrace Pet Insurance offers accident, illness, and wellness coverage for dogs and cats. You’ll get up to 90% back on your vet bills, and your deductible will be reduced $50 annually for each year you don’t make a claim.
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What we like:
Short waiting period for orthopedic conditions
| Monthly Premium | Dog: $13 Cat: $9 |
| Deductible | $100 – $1,000 |
| Benefit Limits | $10,000 |
| Coverage | Accidents, illness, behavioral therapy, and prosthetic limbs |
No pet owner ever wants to deny care to their beloved animal because of money. Unfortunately, many life-saving veterinary procedures can be very expensive, and even routine care can add up to a few hundred dollars annually. The good news is there are options for pet insurance so you can make sure your best friend gets the care required to live the longest, healthiest possible life.
Embrace Pet Insurance is one of your options for securing coverage. Embrace provides personalized plans and offers unique benefits, including a diminishing deductible feature for each year you don’t make a claim. Embrace also has an A+ rating from AM Best and a top rating from the Better Business Bureau, so it’s definitely an insurer worth considering. This Embrace Pet Insurance review will show you what you need to know.
In this review:
- What to Know About Embrace Pet Insurance
- Benefits of Embrace Insurance
- Downsides of Embrace Insurance
- What Does Embrace Pet Insurance Cover?
- How Much Does Embrace Pet Insurance Cost?
- Where Is Embrace Available?
- Embrace Customer Service
What to Know About Embrace Pet Insurance
Embrace, a member of the North American Pet Health Insurance Association, was a Wharton Business Plan Competition winner in 2003 and sold its first insurance policy Oct. 10, 2006. Embrace has since grown to be a large pet insurance company and has partnered with other organizations, including USAA, to provide insurance.
Embrace Pet Insurance provides flexibility for dog and cat owners looking to secure coverage, as you can choose from an accident- and illness-only policy or add wellness rewards to get your routine care covered, too. Embrace aims to treat pets with pre-existing conditions fairly and rewards healthy pets with a $50 deductible savings each year you don’t make a claim.
All this, combined with a top rating with the Better Business Bureau and excellent reviews from pet owners, makes Embrace a solid choice for those looking to make sure their furry family member’s health needs are met.
Benefits of Embrace Insurance
Some major benefits of Embrace Pet Insurance include the following:
- A diminishing deductible is included with every policy. Embrace is the only pet insurer that reduces the annual deductible on your coverage for each year you don’t make a claim. The deductible can go even reach $0 if you have years without any claims, which makes care even more affordable when you do need it.
- Routine care is covered. Embrace’s wellness rewards plan reimburses pet owners for training, grooming, and other routine care with no per-item limits. Embrace also covers the cost of your exam fee, which many insurers don’t.
- You have flexibility in choosing your coverage. You can choose your deductible and policy limits to customize your Embrace coverage to better meet your pet’s needs.
- Embrace provides options for pre-existing conditions. If your dog or cat has a curable condition and is symptom- and treatment-free for 12 months, Embrace will provide coverage for that condition after that yearlong period. Many other pet insurers deny coverage for pre-existing conditions for life when you first sign up for a policy.
Downsides of Embrace Insurance
Unfortunately, there are also some downsides of Embrace Pet Insurance you need to consider:
- There’s no unlimited coverage option. This means there’s always a cap on the amount Embrace will pay out if your pet needs very expensive treatment.
- There’s a waiting period before your coverage becomes effective. You’ll have a two-day waiting period for accident coverage and a 14-day waiting period for illness coverage upon signing up. Dogs are also subject to a six-month orthopedic waiting period unless you have an Orthopedic Exam Report card, which can shorten your waiting period to 14 days. No other diagnostic tests, procedures, or X-rays required.
- You have to provide a full year of your pet’s medical history. This is required before you can buy an Embrace Pet Insurance policy. The medical history includes doctor’s notes, test results, and other details about your pet’s past health.
What Does Embrace Pet Insurance Cover?
Embrace offers accident and illness coverage, as well as an optional wellness rewards plan. The latter provides coverage for:
- Genetic conditions
- Breed-specific conditions
- Chronic conditions
- Cancer treatment
- Alternative therapies, including chiropractic care
- Specialist care
- Emergency room care
- Exam fees and diagnostic treatment
- Hospitalization
- Surgery (e.g. for a cruciate ligament tear)
- Prosthetic limbs and devices
- Mobility aids
- Up to $1,000 per year in dental care
If you add an optional wellness rewards plan, you can get between $250 and $650 in coverage for any routine care your pet may need during the course of the year. Your wellness rewards plan from Embrace covers:
- Wellness exam fees
- Vaccinations
- Titer tests
- Flea, tick, and heartworm prevention
- Spay/neuter surgery
- Routine blood tests
- Fecal tests
- Microchipping
- Grooming, including nail trims
- Repair of an umbilical hernia
- Nutritional supplements
- Anal gland expression
- A pet activity monitor
- Cremation or burial
- Teeth cleaning
You’ll receive up to 90% back on veterinary care when you obtain covered services under either of these Embrace insurance plans. Claims made under your wellness plan do not count toward the deductible for your accident and illness plan, though, and your deductible and payout limits will vary depending on the policy you select.
How Much Does Embrace Pet Insurance Cost?
Embrace Pet Insurance costs vary depending on the age of your pet, your pet’s breed, the type of pet (i.e. dog or cat), and other factors such as where you live. However, average premiums range from roughly $32 to $58 per month.
You can get a pet insurance quote online to find out exactly how much it will cost to insure your dog or cat. The deductible you select, your chosen coverage limits, and whether you opt to add optional wellness coverage all affect the amount you pay for Embrace Pet Insurance.
Where Is Embrace Available?
Embrace Pet Insurance plans are available for dogs and cats throughout the United States.
Embrace Customer Service
Embrace can be contacted via phone at 800-511-9172. The call center is open Monday through Friday from 8 a.m. to 8 p.m. ET and Saturdays from 9:00 a.m. to 1:00 p.m. ET.
Online chat is also available on www.EmbracePetInsurance.com Monday through Friday from 8:00 a.m. to 5:00 p.m. Eastern Time. If you need help during off hours, you can send a message via the website’s Contact Us form.
Embrace generally gets very good reviews from customers. It has an 8.8/10 rating with Consumer Advocate, which is considered excellent, as well as an A+ rating with the Better Business Bureau.
Bottom Line
Embrace Pet Insurance has many unique features, including a healthy pet deductible benefit. It also provides the chance to get wellness care covered, which some other pet insurers don’t offer. But pet parents can’t get unlimited coverage with Embrace, so you’ll need to look elsewhere if you want a policy that doesn’t have an annual maximum on reimbursement.
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