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One of the most trusted names in pet insurance, Embrace has been providing pet owners with peace of mind since 2006. Embrace is known for its superior coverage, numerous perks, and impressive accolades, like earning the title of Forbes #1 Pet Insurance.
Like all pet insurance, Embrace has its pros and cons. Here’s an in-depth review to help you decide if it’s the right insurance for your pet.
Pros And Cons Of Embrace Pet Insurance
Pros
- Comprehensive coverage: Embrace covers a wide range of conditions and treatments, including many items not covered by other insurance companies like acupuncture and laser therapy.
- Diminishing deductible perk: Policyholders have the added perk of a lowered deductible every year their pet does not have a claim.
- Wellness rewards program: Embrace offers a flexible wellness rewards program unlike any other. Policyholders can use their rewards on a variety of services from exams and vaccines to grooming and training.
- Veterinary exam fees are covered: Embrace covers the cost of veterinary exams, whereas some policies do not.
- Access to veterinary telehealth: Policyholders have access to Paw Support, a 24/7 Vet Helpline for medical questions about their pet.
Cons
- Upper age limits: Pets over the age of 15 are only eligible for the accident-only policy.
- Extended waiting period for orthopedic conditions: Embrace has a 6-month waiting period for orthopedic conditions (can be waived with an orthopedic clearance exam)
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Embrace Pet Insurance Plans
Embrace offers pet insurance plans for dogs and cats with the following coverage options:
Accident And Illness Plan
This is Embrace’s standard plan and it provides coverage for your pet’s veterinary care related to accidents and illnesses. It covers a wide range of conditions and is one of the most comprehensive plans on the market.
This plan covers accidents and injuries such as broken bones, hit-by-car incidents, foreign body ingestions, dental emergencies, wounds, and more. It also covers illnesses like cancer, diabetes, infections, and others. Hereditary and congenital conditions are also covered.
Covered costs include diagnostics, lab work, treatments, hospitalizations, surgeries, and more. As an added bonus, this plan also covers alternative therapies not offered by all pet insurance. Alternative therapies include rehabilitation, acupuncture, hydrotherapy, laser therapy, and more.
Accident-Only Plan
This lower-cost option provides coverage for veterinary expenses strictly due to accidents your pet may have. It does not cover illnesses.
This includes things like broken bones, trauma, falls, hit-by-car accidents, burns, wounds, toxic ingestions, foreign body ingestions, and more.
Covered costs include diagnostics, lab work, treatments, hospitalizations, surgeries, rehabilitation, and more.
Wellness Rewards Plan
The wellness rewards plan is an optional add-on to help cover things like annual exams, vaccines, spays and neuters, dental cleanings, parasite screening, routine blood work, and other preventative care measures.
As an added bonus, Embrace’s wellness rewards plan can also be used for non-medical items like training, grooming, nutritional supplements, pet activity trackers, and more.
Wellness rewards work a little differently than most other pet insurance wellness plans. It is not actually an insurance plan, but rather a savings plan you’re paying into monthly for your pet’s wellness care.
State Availability
Embrace is available in all 50 US states and the District of Columbia. However, the Wellness Rewards Plan is not available in Rhode Island.
What Doesn’t Embrace Pet Insurance Cover?
Like all pet insurance plans, Embrace has its exclusions:
- Preexisting conditions: Any medical problems your pet had prior to enrollment are not covered.
- Illnesses or injuries during the waiting period: Similar to preexisting conditions, any illness or injury sustained during the waiting period will be excluded from coverage.
- Experimental treatments: Any treatments that are considered investigational, experimental, or beyond the standard scope of care in veterinary medicine like non-FDA approved medications or clinical trial treatments.
- Breeding costs: Any veterinary expenses related to breeding your pet such as ultrasounds, c-sections, and birthing care.
- Non-medically necessary items: Any tests, procedures, or treatments deemed not medically necessary such as DNA tests or cosmetic procedures.
Embrace Waiting Periods For Coverage
Pet insurance coverage doesn’t kick in until after a specific period of time. This is known as the waiting period.
Embrace waiting periods are:
- 2 days for accident coverage
- 14 days for illness coverage
- 6 months for orthopedic coverage
These waiting periods are fairly standard in the pet insurance industry. Most companies have a shorter waiting period for accidents than for illnesses. The extended waiting period for orthopedic coverage is more than some but less than others.
Embrace Insurance Costs
Like all pet insurance, monthly premiums for Embrace will vary based on many factors including your pet’s age, breed, sex, and location.
Here’s a breakdown from one study on pet insurance quotes for Dallas, a populated city in Texas.
Price Comparison For Dogs
| Dog Breed | Accident and Illness Plan | Accident and Illness + Wellness Plan |
|---|---|---|
| German Shepherd | ||
| 8-Week Old Puppy | $69.53 | $88.28 |
| Five Years Old | $75.79 | $94.54 |
| Senior | $89.00 | $115.40 |
| French Bulldog | ||
| 8-Week Old Puppy | $106.69 | $125.44 |
| Five Years Old | $116.30 | $135.05 |
| Senior | $136.57 | $155.32 |
| Labrador Retriever | ||
| 8-Week Old Puppy | $69.53 | $88.28 |
| Five Years Old | $75.79 | $94.54 |
| Senior | $96.65 | $115.40 |
| Golden Retriever | ||
| 8-Week-Old Puppy | $69.53 | $88.28 |
| Five Years Old | $75.79 | $94.54 |
| Senior | $89.00 | $107.75 |
| Poodle | ||
| 8-Week Old Puppy | $46.35 | $65.10 |
| Five Years Old | $50.53 | $69.28 |
| Senior | $64.43 | $83.18 |
Price Comparison For Cats
| Cat Breed | Accident and Illness Plan | Accident and Illness + Wellness Plan |
|---|---|---|
| Domestic Shorthair | ||
| 8-Week-Old Kitten | $20.78 | $39.53 |
| Five Years Old | $30.39 | $49.14 |
| Senior | $47.27 | $66.02 |
| British Shorthair | ||
| 8-Week-Old Kitten | $33.57 | $52.32 |
| Five Years Old | $49.09 | $67.84 |
| Senior | $83.08 | $101.83 |
| Exotic | ||
| 8-Week-Old Kitten | $33.57 | $52.32 |
| Five Years Old | $49.09 | $67.84 |
| Senior | $83.08 | $101.83 |
These quotes reflect a reimbursement rate of 90%, an annual limit of $15,000, and a $200 annual deductible.
Other Factors Determining Cost
Embrace offers customizable coverage with multiple options for choosing your annual coverage limit, deductible, and reimbursement rate.
Annual Limit
This is the most your pet insurance will cover for the year. Once you reach this limit, you’ll pay out-of-pocket for any remaining vet bills until your renewal date. The higher the annual limit, the higher your monthly premiums will typically be.
Embrace offers the following annual limit options:
- $5,000
- $8,000
- $10,000
- $15,000
- $30,000
Deductible
This is the amount you’ll have to pay out-of-pocket for your pet’s veterinary expenses before you are eligible for reimbursements.
Embrace offers the following deductible options:
- $100
- $250
- $500
- $750
- $1,000
Reimbursement
This is the percentage of your veterinary bills the insurance will pay after the deductible has been met.
Embrace offers the following reimbursement options:
- 70%
- 80%
- 90%
Possible Discounts
- Embrace offers a 5% military discount (not available in NY or TN)
- A 10% discount is offered for insuring multiple pets
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Frequently Asked Questions (FAQs)
Does Embrace offer a wellness plan?
Embrace offers the Wellness Rewards program. This optional add-on helps cover annual exams, vaccines, dental cleanings, and some non-medical items like grooming and training as well.
Does Embrace cover preexisting conditions?
Like all pet insurance, Embrace does not cover preexisting conditions. However, they do have a generous medical history review policy of only one year. Some insurance companies require two years or more.
Does Embrace cover dental cleaning?
Embrace covers routine dental cleanings under the Wellness Rewards add-on. Advanced cleanings needed for periodontal treatment are covered in the Accident and Illness Plan.
Does Embrace have any coverage limits?
Embrace has multiple annual limits to choose from when customizing your plan, they range from $5,000 to $30,000.
How do I file a claim with Embrace?
Embrace has an easy, digital claims process. You can file a claim online through your customer portal or by downloading the Embrace App by simply uploading your invoice. You can also file paper claims if you prefer, by email, fax, or postal mail.
How long does Embrace take to pay out?
Embrace processes claims within 10 to 15 days. Once approved, you’ll either receive a check by mail within 10 business days, or a direct deposit into your account within 3 days, depending on your chosen method of payment.
How do I cancel a policy from Embrace?
You can cancel your Embrace policy at any time by calling their customer service line or by sending an email request. Cancellation within 30 days of a new policy with no claims yet filed should grant you a full refund.
Does Embrace cover spaying or neutering?
Spaying and neutering are only covered under the Wellness Rewards add-on.
Does Embrace cover euthanasia?
Embrace covers euthanasia if it’s medically necessary due to a covered condition.
Does Embrace cover hip dysplasia?
Hip dysplasia is covered under the standard accident and illness plan as long as there were no symptoms of it within one year prior to the beginning of coverage (preexisting condition).
Is Embrace accepted by every vet?
Embrace operates based on a reimbursement model so there are no in-network or out-of-network vets to worry about. Your pet can be treated by any licensed veterinarian and their covered medical costs will be reimbursed.
Does Embrace pay the vet directly?
Embrace does not offer direct-to-vet payment options. It operates strictly on a reimbursement model. You’ll pay your pet’s medical bill upfront, file a claim, and receive reimbursement from Embrace.
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