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 online 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 coverage can start, Embrace requires you to go get them checked by a vet one year before coverage or within the 14-day waiting 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. We check the comprehensive Embrace plan from Taxas/Dallas for a 6-year-old female Cocker Spaniel with an annual cap of $15,000, an annual deductible of $300 and 80% reimbursement costs $58.77 per month. 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
On 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 their 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, call, or send in a message through your MyEmbrace portal or Embrace app to get a quick response from empathetic employees that really know how to explain the ins and outs of the policy.
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.
Disclaimer: Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2020 American Modern Insurance Group, Inc. + Wellness Rewards not available in Rhode Island.