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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 didn’t make our top three in our pet insurance comparison but they do have great customer service and high reimbursement rates. Embrace Pet Insurance was founded in 2003 when Wharton MBA graduates Laura Bennett and Alex Krooglik decided 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 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 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.
- No per incident limits on their claims as they use an annual deductible method of accounting
- No lifetime limit
- Offers optional wellness rewards
- Embrace is affordable on a monthly cost basis with an accident only policy premium starting around $20 a month for a 10-year-old Labrador Retriever
- 5% discount for payments made directly from bank account
- BBB rating is A+
- Claims are paid between 5-15 days
- No additional waiting period for ACL surgery or hip dysplasia
- No transaction or one time fees
- Requires a 2 day waiting period for accidents (14 days in some states), 14 day waiting period for illness coverage and a 6 month waiting period for orthopedic conditions, but can be reduced to 14 days through their Orthopedic Exam and Waiver Process
- Only covers pets age 14 and younger for accident and illness
- If one leg has a CCL (ACL) injury prior to enrollment the other leg will not be covered even if there are no prior issues. It is considered a pre-existing condition.
- No live chat and limited phone hours
- Prescription medication coverage costs extra
- No unlimited claims options
What Is Covered by Embrace?
|Covered by Embrace||Not Covered by Embrace|
|Breed-specific and genetic conditions||Routine vet care|
|Congenital conditions||Pre-existing conditions|
|Chronic conditions||Breeding, whelping and pregnancy|
|Cancer||Injury caused deliberately by you or any other person residing in your home|
|Exam fees||Injury or illness resulting from fighting, racing, cruelty or neglect|
|Alternative therapies and rehabilitation||Cosmetic procedures such as tail docking, ear cropping or dew claw removal unless medically necessary|
|Behavioral therapy||DNA testing or cloning|
|ER and specialist care||Stem cell therapy not deemed medically necessary|
|Diagnostic testing||Avian flu or nuclear war|
|Hospitalization and surgery|
|Prosthetic limbs and devices including mobility aidsd|
|Dental illness up to $1,000/year|
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. Most pet insurance providers include this coverage at no extra cost.
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. Quotes below are from May 2017 and do not include prescription coverage.
|Breed||Labrador Retriever||Golden Retriever||German Shepherd||Yorkshire Terrier||Yorkshire Terrier||Yorkshire Terrier||Mixed Breed Cat|
|Age||2||8||4||6||4 months||7 months||2|
|Location||Iowa (zip code 50125)||Illinois (zip code 60631)||California (zip code 92027)||New York (zip code 10012)||New York (zip code 10012)||Iowa (zip code 50125)||Ohio (zip code 44108)|
|Price Per Month||$33.80||$40.96||$50.20||$61.83||$58.34||$13.68||$25.20|
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.
It took Embrace about 6 weeks to pay our first claims. They did pay exactly 100% of everything we thought would be covered under our plan and that was good to see. This was their first claims to pay for us and I can hope that future claims would go through more quickly now that they have our dog’s medical records. I never dreamed that my beloved super super healthy little pup would end up having a heart condition. I am super glad that we had gotten this insurance before and that it will now be here to help fill-in with any expenses that might occur because of his condition or anything else that might happen. It is an added expense each month and so is having a dog. He’s a family member and we take care of him just as we do anyone else in our family. – Jacky T., Yelp 3/23/2017
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
STAY AWAY FROM EMBRCE PET INSURANCE, BIG SCAM.! They paid on a few of my claims, when my poodle had a fracture but denied all claims when he got bone cancer, saying it was pre existing, even after we sent all the previous years clean/ no problem vet report. They will find something to deny your claims, be careful, ask your vet for recommendations, do not use them! – Marianne M., Yelp 1/26/2017
I’ve had a police with Embrace for almost 4 years. For the first 3 years I would have given them a 5 star. Everything was great. I recommended them to many people. But the past 8 months it’s like the entire company changed. Claims are always messed up. It takes them 3 weeks to get around to even start to process a claim. Claims are denied because of their mistakes and it takes multiple phone calls and emails to get them to make corrections. I gave them 2 stars because they were good in the past. If I was rating them on the past 8 months alone it would be 0 stars. – Joy W., BBB 3/30/2017
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.
- 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.
- 30 day money back guarantee.
- Embrace is an environmentally friendly company.
Pet Insurance Explained
Wondering why pet insurance is important? See what Embrace Pet Insurance covers in this video overview below.
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?