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When it comes to choosing insurance for your pet there are a number of companies and policy types to consider. Embrace Pet Insurance is just one of the available insurance companies for pet owners to choose from. In this comprehensive review, we will take a look at Embrace Pet Insurance including who they are, what they offer, pricing information, pros and cons, and how to take advantage of discounts and savings on your policy.
Who is Embrace Pet Insurance?
Embrace took home 5th place in our pet insurance comparison due to their great customer service and high reimbursement rates. Embrace Pet Insurance was founded in July of 2003 when Wharton MBA graduates Laura Bennett and Alex Krooglik decided that they wanted to make a difference in the pet insurance industry. It took a few years to get Embrace Pet Insurance established and off the ground but in October of 2006 the first policy was sold. The journey of establishing Embrace was a long one punctuated by many highs and a few obstacles, but by June 2011 the Ohio-based company was beginning to show positive cash flow.
Who is the Underwriter for Embrace Pet Insurance?
An underwriter in insurance is someone who assesses the level of risk that is associated with a person, an asset or an activity. This assessment is used to determine premium pricing (your premium is the amount of money you pay out-of-pocket for your insurance policy) for the insurance company. Embrace Pet Insurance is underwritten by American Modern Insurance Group for all states and the District of Columbia except for Florida, which is underwritten by American Southern Home Insurance Company.
What is Covered by Embrace?
|Covered by Embrace||Not Covered by Embrace|
|Exam Fees||Treatment for an illness related to teeth and/or gums|
|Laboratory Tests and Biopsies||Breeding, whelping or pregnancy|
|Hospitalization and Surgery||Pre-existing Conditions|
|MRI and CT scans, X-rays, Ultrasound||Injury caused deliberately by you or any other person residing in your home|
|General, Specialist and Emergency Care||Injury or illness resulting from fighting, racing, cruelty or neglect|
|Allergy Testing||Cosmetic procedures such as tail docking, ear cropping or dew claw removal unless medically necessary|
|Acupuncture, Chiropractor, Holistic Medicine||DNA testing or cloning|
|Physical Therapy including Hydrotherapy||Organ transplants|
|RX Medications (unless you opt out)||Avian flu|
|Laparoscopies, Laser Surgery||Nuclear war (yes, really!)|
|Genetic Conditions (such as hip dysplasia)|
|Chronic Conditions (such as asthma)|
|Cancer Treatment including Chemotherapy|
|Cremation or burial|
Optional Coverage Under Embrace Pet Insurance
In addition to the services that come standard under the Embrace Pet Insurance plan, there are additional services that pet owners can purchase.
Prescription Drug Coverage
For pet parents with healthy animals, prescription drug coverage may not be needed. However, if your pet has chronic health conditions and requires monthly medications, then prescription drug coverage may make a lot more sense. This coverage offers reimbursement for drugs prescribed by a veterinarian for at home administration including pharmaceuticals given for pain relief, allergies, ear conditions and/or topical ointments.
Wellness Rewards is another optional program offered by Embrace to maintain your pet’s health via preventative measures. This program is rather unique in the pet insurance category. There are three allowance levels offered for this program: $250, $450 and $650. This program gives an allowance with “bonus cash” that can be applied towards:
- Wellness exams
- Vaccinations and titers
- Flea, tick, and heartworm medication
- Spay/neuter surgery
- Fecal exams
- Routine blood tests
- Behavioral training
- Umbilical hernia repair
- Toe nail trimming
- Routine anal gland expression
- Routine chiropractic care, reiki, massage therapy, acupuncture
- Anesthetic teeth cleaning and dental illness
- Prescription diet food from Hill’s, Purina, Wysong, or Royal Canin
- OFA & PennHIP exams and X-rays
- Nutritional supplements
- Medicated shampoos
- Pet training/behavior sessions
- Pet activity monitors
What is a Pre-Existing Condition?
Most pet insurance policies offer their own definition of a pre-existing condition. This can be confusing for pet parents to understand. Under the Embrace Pet Insurance plan pre-existing conditions are defined as conditions that an animal has experienced prior to policy coverage, whether this condition was diagnosed by a vet or not. Embrace distinguishes between curable and incurable pre-existing conditions. A curable pre-existing condition may be a bladder infection or an upper respiratory infection. These types of illnesses can be treated and completely eliminated. An incurable condition may be hip dysplasia, cancer, orthopedic illness or injury on the opposite side of a prior injury, allergies and hyperthyroidism.
Embrace Pet Insurance Pricing Quotes
Pet owners have full control over the cost of their pet’s coverage plan. Embrace offers pet owners a variety of customization options including varied levels of reimbursement percentage, varied deductible amounts and optional coverage programs. In addition, pet owners can set an annual maximum coverage amount, choosing from $5,000, $8,000, $10,000 and $15,000. Annual deductibles can be set at $200, $300, $500, $750 or $1,000 per year. Reimbursement percentages can be set at 70%, 80% or 90% per visit.
|Breed||Labrador Retriever||Golden Retriever||German Shepherd||Yorkshire Terrier||Yorkshire Terrier||Yorkshire Terrier||Mixed Breed Cat|
|Age||2||8||4||6||Less than 1||Less than 1||2|
|Location||Iowa||Illinois||California||New York||New York||Iowa||Ohio|
|Price Per Month||$33.34||$32.73||$43.65||$53.75||$50.73||$25.79||$25.26|
Embrace Pet Insurance Reviews
Read about how Embrace has treated these real life customers. We’ve got the good and the bad to share with you.
I’m a huge fan of Embrace. I’m surprised at the negative reviews. I’ve had Embrace for 4 years now for both of my dogs and this past year our boy had to have emergency surgery for a lump in his neck. The bill neared $4,000 and getting the best treatment was made easier by the confidence of having our insurance plan. Pay outs are FAST and customer service is excellent. I did a lengthy review before choosing Embrace and I feel that I made the best decision for my dogs. Only the best! – Eric B., Yelp 8/22/2015
AMAZING EXPERIENCE! Super affordable, easy to get in contact with, and the employees actually care! I file wellness claims all of the time and I get my reimbursement very fast! if you take the wellness package they offer it is totally worth it! It covers your flea/tick meds, heartworm, any checkups, vaccines, spaying/neutering, micro chipping and lots more! (all until you meet your yearly coverage amount though — which is still a reasonable amount of coverage!) I have a one year old German shepherd male and I am very confident if anything goes wrong with him, he is covered through Embrace. I went through a lot of research about pet insurance companies to see what was the most affordable and what sells the best products and Embrace is who I stuck with. 🙂 If you have the orthopedic check and they pass, they even cover hip dysplasia problems! AMAZING! This is a huge one for me because German Shepherds are prone to this sad disease. I would highly recommend this company to anyone for their pet! – Kacie C., BBB 4/30/2015
I found that after having several experiences with this company that they look for ways to NOT pay their claims. I let go of ASPCA Insurance for this company and wish I had not. Yes, their wellness policies look good, but then if the vets wording is off just a hair they do not call it wellness, they call it a regular policy and do not pay for a wellness visit. This company is a scam, beware. -Pamela L., Yelp 8/21/2015
Buyer beware… they don’t have a veterinarian on staff reviewing claims, they have non vet med claims adjusters, and they have absolutely flubbed a no-brainer claim for me, denying my dogs final death claim as a pre-existing condition. My vet and the ER Vet Hospital both support my side, both in disbelief at the stretch Embrace is going for at denying my claim. There was no pre-existing condition, they are trying to connect two non-related things together as a means to not pay. I’m utterly heart-broken over what they are putting me though. I thought they were a reputable company when I purchased my dogs coverage ….I did my research. I’m flabbergasted at the lengths they have gone to in order to deny my claim. Absolute injustice. Beware, they advertise peace of mind, but when it comes down to it, they will take your premium payments happily, but will look for ways to avoid payout when it’s time to file a claim. So stunned and in disbelief. – Dogs Best Friend, Consumers Advocate 3/11/2015
Why Should I Consider Embrace Pet Insurance for my Dog?
- Embrace clients are free to use any vet and do not have to stick with “in network” veterinary clinics.
- Embrace policies cover genetic health conditions – something not found in the majority of pet insurance policies.
- Good customer service quality reputation.
- Claim refunds are made based on vet bills that are submitted rather than set amounts.
- Clients can customize their pet’s policy to fit their pet’s needs and their financial budget.
- Pets are protected for a lifetime with coverage of chronic health conditions.
- Premiums don’t increase once claims are made.
- 30 day money back guarantee.
- Embrace is an environmentally friendly company.
Why You Need Pet Insurance
Wondering why pet insurance is important? See what this Embrace Pet Insurance rep has to say about pet insurance.
Not Sold on Embrace?
Did you know that 50% of dogs over the age of 10 develop cancer at some point in their life? Unfortunately, those odds may not be in your dog’s favor. That’s why doing your research before buying a pet insurance plan is not only smart but it demonstrates your love and responsibility as a pet parent. We invite you to read through our other pet insurance articles so you feel 100% positive about making the best decision for your furry friend.
What questions do you have about pet insurance before you buy?