Embrace Pet Insurance Review
When one of our friends shared a link from the Embrace pet insurance blog a few years ago, we knew we had to check this company out. We were initially drawn to Embrace because of its commitment to pet charities, but we were ultimately swayed by the insurer’s flexible terms and outstanding customer service.
If you’re in the market for an affordable yet reliable pet insurer, here’s why Embrace could be the right choice for you and your family.
What Does Embrace Cover?
Embrace covers most accidents and illnesses in its full-coverage pet insurance plan, including cancer, exam fees, and even prosthetic limbs. One of the things we like about Embrace, however, is that you don’t necessarily need to take out a full policy. The company offers personalized plans for pet parents that want to insure against one specific type of pet health condition, like cancer or surgery.
Like most pet insurance companies, Embrace isn’t crazy about preexisting conditions. However, the pet insurer does differentiate between preexisting chronic conditions and preexisting conditions that can be cured. For the latter, if your pet is treatment and symptom free for a year the condition is reintroduced to your coverage.
Though routine treatments are not included in Embrace’s primary coverage, the company does have a separate wellness plan you can purchase. Similarly, you can acquire a standalone pet insurance plan for prescription drugs.
Pros and Cons
We’re really happy with our overall experience at Embrace. If you’re thinking about purchasing coverage for your pets from Embrace, here’s what you should know up front:
Pros of Embrace
- You may be eligible for more than one Embrace discount.
- Each time you refer a friend to Embrace the company donates $25 to pets in need.
- Your Embrace coverage includes alternative therapies like acupuncture and hydrotherapy.
- Your deductible is credited $50 each year you don’t make a claim.
- There is no restriction to a specific network of vets.
Cons of Embrace
- Embrace only offers accident coverage for pets over the age of 14.
- No direct-to-vet pay.
- Premiums increase based on age, though not based on your claim history.
- No coverage for chronic pre-existing conditions.
Embrace Reimbursement and Deductibles
As with any insurance, you have a certain amount of control over the ratio of copay, reimbursement and deductibles. You have a choice of 5 annual deductibles ranging from $200-$1,000 and reimbursement levels of 70%, 80% or 90%.
If you want to lower your monthly payments, you can choose a higher deductible or go with a smaller reimbursement percentage. Remember that you need to get that deductible paid off before Embrace will reimburse you for any pet illness or accident treatments.
Embrace Waiting Periods
Like any pet insurance company, Embrace has waiting periods written into their contracts to prevent fraud. The good news is that for the most part, Embrace waiting periods are shorter than some of its competitors’. Accidents only have a 48-hour wait period, while illnesses require a two-week waiting period.
Since dogs have a genetic tendency toward orthopedic disorders, Embrace’s waiting period for orthopedic conditions for dogs is an extended 6 months. However, if your dog doesn’t have a history of orthopedic issues you can easily shrink this waiting period to two weeks by undergoing a straightforward orthopedic exam and waiver process.
One thing to keep in mind is that before your pets can be insured, Embrace requires you to go get them checked by a vet one year before coverage or within the 14-day period.
How Much Does Embrace Cost?
The amount you’ll end up paying Embrace per month or per year depends on the plan you purchase for your pet and the co-pays, deductibles and annual cap you set up. When we first started looking into Embrace, we found it really helpful that the company breaks down insurance costs by breed to give you a glimpse of what you’re getting yourself into.
That said, it’s also very simple to get a quote for your dog or cat on the Embrace website within minutes. The comprehensive Embrace plan for our 6-year-old American Cocker Spaniel with an annual cap of $15,000, an annual deductible of $500 and 80% reimbursement costs $54.51 per month. If you can afford it, it’s worth making annual payments, which will knock some money off of the price. You should also check which of Embrace’s discounts you may be eligible for.
Though Embrace is well within the affordable range of pet insurance, if you do pay annually or apply one or more of the discounts the price can dip lower than other pet insurance plans on the market.
|Accident & Illness||Wellness Rewards|
All sicknesses & injuires
Preventatives & vaccines
Customer Service and Satisfaction
Pet Insurance companies and their websites can sometimes be frustratingly obtuse. Here, Embrace has really gone the extra mile to explain everything clearly and in great detail. In our experience, simply reading the Embrace website – and the lengthy FAQ section in particular – is frequently enough to answer whatever questions we have about our pet insurance coverage.
As anxious pet parents, though, there are times when we want to clarify our policy with an Embrace human. It’s important to take note that the support center isn’t open 24/7: it’s open Monday through Friday between 8:30 am-8 pm ET and Saturdays between 9 am-1 pm ET with no Sunday hours.
Still, during the hours it’s open you can email, Facetime, call, or send in a ticket to get a quick response from empathetic employees that really know how to explain the ins and outs of your policy. We also appreciated the limited Embrace live chat option, available Monday through Friday between 8:30 am-5 pm ET – during those hours, it’s a fast way to get answers about your Embrace pet insurance.
To top it off, we really enjoy Embrace’s blog section. Though it’s unclear how often the blog is updated, the range of Embrace blog posts give you insight into many pet diseases as well as providing fun seasonal articles.
Our Rating - How Pawsome Is Embrace?
Insurance isn’t usually a topic that brings a smile to your face, but in the case of Embrace we’ll have to make an exception. We love how simple it is to navigate the website to get answers to our questions, learn more about caring for our pet, submitting claims and receiving reimbursement.
Though Embrace’s reimbursement period can be slightly longer than some of its peers, Embrace makes up for it with pawsome budget-friendly plans and great service.
The fact that there are no hidden terms or conditions is also a big deal for us. With Embrace, we know what we’re getting for our money from the get-go. When we haven’t seen what we’re looking for on the website, Embrace’s customer support staff have been kind and informative – exactly what we need to hear when we’re nervous about our pooch’s health.
We highly recommend Embrace to pet parents like ourselves who want the best for their pets and who feel calmer knowing the insurer is staffed by true pet lovers.