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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. Find out if Embrace can protect your pet and your wallet.
- Underwriter: American Modern Insurance Group
- A.M. Best rating: A+
- Exam period: your pet must have been examined by a vet in the last 12 months prior to the policy start date or within 14 days after the start date.
- Medical History Review: Embrace offers a Medical History Review during enrollment. This is basically a full insurance assessment of health history so you can feel confident in your pet’s coverage, limiting coverage uncertainty.
- Pre-existing conditions defined by Embrace:
- a. Chronic Condition observed by you or your Veterinary Provider prior to the end of the Waiting Period for your Pet(s) and any related conditions; or
- b. an Illness or Injury that first occurred or showed Clinical Signs prior to the end of the Waiting Period for your Pet and any related conditions.
- Undiagnosed conditions with the same Clinical Signs as those in a. or b. above are also considered pre-existing
- Bilateral condition: If your pet has been diagnosed, prior to being insured, with a bilateral condition (i.e. ACL tear) on one side of the body, they a higher risk of the same condition on the other side of the body and future occurrences of the same condition will not be covered
- Reimbursement: Claim repayment for wellness claims usually take 5 business days and for illness and accident claims it takes 10 to 15 business days after all the proper documentation is received. Embrace also follows a “deductible then copay” reimbursement model (vs most other companies that use “copay then deductible”) which could put more money back in your pocket.
- Prescription drug coverage for take-home medications available with any policy (in some states this is an optional add-on)
- Fax, email, upload to MyEmbrace or mail in your claim forms and get paid via check or direct deposit
- 30-day free look period (similar to a money back guarantee)
- Embrace is also resold via their partners: Allstate, American Family, Geico, and USAA
- 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
- 5% mulit-pet discount
- $1.00 monthly transaction 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 (accident only may be available for ages 15+)
- 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.
- Limited hours for live chat & phone
- No unlimited claims options
Below are items covered and not covered by Embrace as of May 2018.
|Covered by Embrace||Not Covered by Embrace|
|Breed-specific and genetic conditions||Avian flu or nuclear war|
|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|
|Hospitalization and surgery|
|Prosthetic limbs and devices including mobility aids|
|Dental illness up to $1,000/year|
Embrace offers a few different discount options. Spayed or neutered pets get a 5% discount. if you have multiple pets, each one gets 5% off. You can also pay annually and get 5% off. Click here to access any of these discounts.
Embrace offers the following options for your pet insurance plan.
- Annual maximum: $5,000, $8,000, $10,000, $15,000 or $30,000
- Annual deductible: $200, $300, $500, $750 or $1,000
- Reimbursement: 70%, 80% or 90%
Embrace Wellness Plans & Pricing
Embrace also offers an optional Wellness Rewards program for an additional fee. Embrace will reimburse 100% of your pet’s routine care costs up to the selected amount of coverage you choose. You can select $250, $450 or $650 for this program. This money can be used towards the following:
- Spay/neuter surgery
- Flea, tick, and heartworm preventative
- Vaccinations and titers
- Wellness exams
- Routine blood and fecal parasite exams
- Microchip implant and registration
- Prescription diet food
- Teeth cleaning
- Dental x-rays, crowns and fillings
- Nutritional supplements
- Medicated shampoos
- Behavioral training
Quotes below are from May 2018 and do not include Wellness Rewards.
|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|
A bilateral hip replacement for your dog could cost $7,000 to $12,000 for surgery alone. For other types of surgeries, $1,500 to $3,000 per hip is the average. Asides from surgery, your dog will need pain medication for life and possibly supplements, which can add up in cost.
Fortunately, if your dog develops hip dysplasia while protected under an Embrace plan it will be covered as long as the 6-month waiting period is over.
- 14-days: Illnesses
- 48-hours: Injuries
- 6-months: Orthopedic conditions (including cruciate ligament events)
If you’re unfamiliar with cruciate ligament tears and what they can entail, watch Heidi’s story below.
Read about how Embrace has treated these real life customers. We’ve got the good and the bad to share with you.
I hate to read other people’s poor experiences with Embrace. My Labrador has been “Embraced” for her whole life–7 years now–with both the wellness policy and the accident/illness policy. EVERY SINGLE YEAR, the insurance pays for itself. Most recently, my dog suffered from pancreatitis with causes unknown. We’ve racked up over $4,000 in medical bills since this time, and Embrace has covered all of it. They decide claims quickly and auto-deposit into your checking account. I’ll continue on with Embrace! – Ashton P., Yelp 4/15/2018
I am obsessed with this company! We have three dogs insured with Embrace, ranging between 4 years old and under a year. They are so great to work with. The Embracers in the customer service call center are so friendly and prepared with knowledge and willingness to help solve your issues. We just had a hiccup regarding a claim for our oldest dog, Jerry Lee and I called their customer service line. Embracer Courtney answered and she quickly pulled up the claim in question, did a little investigating and figured out what went wrong in processing. She took ownership of the issue and assured me that she would personally see to the resolution of my problem. It’s so comforting to know that when my pups have health problems – or even just need vaccinations or grooming – I can rely on the people at Embrace to make sure we’re always able to give them the best care we can find. Thank you, Embracers! – Kirsten R., Facebook 4/23/2018
Two words: Claim Denied. Embrace Pet Insurance I don’t think ever covered my dog and she was insured since she was a puppy and has no health issues. Guess what, they will find health issues. They fill find ways not to cover you. What I got was a head ache. My dog has a bug, I brought her to the vet. This adjuster, Christine W., came up with most insane and obscure reasons why my dog was not covered. Pleasant as could be, she would protect her company from payouts like an Olympic champion! Mine was only $300! Honestly, at one point they told me my puppy had a degenerative back disease because they did not process the orthopedic report. When that was cleared up she came up with a laundry list a mile long of illness my dogs must have that they can not cover! This is when I cancelled the policy. ENJOY YOUR TIME WITH YOUR DOG, it’s PRECIOUS. Save you money, put it in a Health Savings Account for your beloved BEST FRIEND! Don’t give your money to this scam. Guess what, my dog is bred for health! She and all her relatives are very very healthy! What they say couldn’t be further from the truth. The people who respond to to these Yelp reviews are just trying to do damage control for those who haven’t yet had the rude awakening that you are being taken for a ride. Shame on them for marketing themselves as animal lover. It takes a real heartless person to do what these claims adjustors do. – Luna M., Yelp 2/12/2018
Embrace’s 30-day cancellation policy is an absolute sham. I requested a medical history review less than 2 weeks after I signed – up. I didn’t get it for almost 3 months later and surprise, surprise! Absolutely every symptom of his is listed as a preexisting condition. So therefore, the policy is useless to me and now I have paid 3 months into it (estimated $180). I was told by Embrace they would not refund it as their terms are that ‘We need the complete Medical History’. Yet as of Oct. 11, I was told it would take 7-8 business days. By Oct 25, I still didn’t know what was missing! Very easy to see that Embrace will purposely delay Medical History Reviews claiming that ‘we don’t want to bother you the client’ to get the missing information so they can continue to fraudulently bill you. When I called to inquire about the long-delayed medical history review, they still couldn’t answer my questions. Then they hung up on me and canceled my policy even though I was still waiting for answers. STAY AWAY FROM THIS COMPANY! They are very difficult to work with and will list everything possible as a preexisting condition to avoid paying claims. – Jaclyn S., BBB 11/29/2017
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 best pet insurance article 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?