Embrace Pet Insurance Review 2021: Safeguarding Pets With Comprehensive Coverage

Lisa Scott

Embrace Pet Insurance is one of the leading pet insurance agencies that offer extensive coverage for dogs and cats. Their comprehensive coverage attracts pet parents with its affordable pricing, and policies may be customized to suit the pet’s needs. Besides illness and accident insurance coverage, the insurer offers an optional wellness plan that helps keep your pet safe and healthy all year round.

Overall rating

4.5

Summary: Embrace provides comprehensive coverage and dental care to help protect your pet’s health and smile.

Embrace Pet Insurance

embrace pet insurance logo

Unlimited

Annual Coverage

70%, 80%, 90%

Reimbursement Rate


Reviews

4

Policy Application

4

Fees & Coverage

4.5

Claim Support

5

Customer Service

5

Safe & Secure

Pros

  • 24/7 pet help line
  • Short waiting periods
  • Discounts up to 25%

Cons

  • Additional fees for enrollment
  • Age limit coverage

Our Pick For

  • Comprehensive coverage
  • Curable pre-existing condition (limited)
  • Vanishing deductible

Features

HQCleveland, OH
PolicyIllness, Accident, & Preventive Care
Eligible Pet Age6+ weeks, max 14 years for full coverage
Annual Coverage$5,000, $8,000, $10,000, $15,000, $30,000, Unlimited
Reimbursement Rate70%, 80%, 90%
Deductibles$200, $300, $500, $750, $1000
Medical ExamRequired within 12 months prior to enrollment or during the initial waiting period.
Restricted StatesOperates in all US states

In depth review on Embrace Pet Insurance

Embrace Pet Insurance sold its first insurance policy in 2006 and has grown into a market leader offering customizable coverage packages including illness, accidents, and an optional wellness plan. 

The agency also offers a user-friendly mobile app that acts as a one-stop shop for all your pet insurance needs.

Our pick explained

  • Comprehensive coverage: The insurer takes a holistic approach to pet healthcare by offering accident, illness, dental care, optional coverage for preventive care, therapies, prescription drugs, and much more coverage at reasonable premiums. 
  • Curable pre-existing conditions policy: Embrace does not cover pre-existing conditions, but if the condition is considered curable and you can show 12 consecutive months of your pet being symptom or treatment free from that condition, the insurer will re-evaluate from the day you started taking your pet for treatments when the policy was in place to see if they can provide coverage moving forward.
  • Vanishing deductible: For every year that you go without receiving a reimbursement for an accident or illness claim, Embrace will reduce your annual deductible by $50.

Embrace Pet Insurance Benefits

  • 24/7 pet help line: Embrace offers a 24/7 helpline where you can call and seek advice in case of emergencies. 
  • Short waiting periods: The waiting period for illness coverage is 14 days, while for accidents is two days from the date of sign-up. The waiting period for Orthopedic surgeries is usually six months. However, the waiting period reduces to 14 days if you have the orthopedic report card completed after enrollment. 
  • Discount up to 25%: Embrace offers various discounts that can be stacked up to 25% in most states, such as a 10% discount for covering two or more pets, a 5% discount for active or former military members, and a 10% discount if your employer offers Embrace Pet Insurance as a benefit. 

Embrace Pet Insurance Drawbacks

  • Additional enrollment fees: Pet parents incur a one-time $25 enrolment fee. However, the platform offers a discount of up to 10% for more pets, which helps you save more in the long term. 
  • Age limit coverage: Embrace has set up a maximum age limitation of 14 years for illness. Pets aged 15 years and above getting insured for the first time can receive coverage on accidents only. 

Factors contributing to the overall Rating

Policy application

4

Embrace Pet Insurance requires your pet to be examined by veterinarian 12 months prior to enrollment for your coverage to start. If you do not have the medical examination report, you can still enroll your pet but you have to provide the report within 14 days from the date of sign up.   

 To enroll your pet, you will enter the following pet information:

  • Pet type: Dog or Cat
  • Pet name 
  • Gender
  • Type of breed 
  • Age

Once you have filled in this information, you need to provide your personal information and provide your active credit/debit card, or bank account information. You can customize your plan to fit your financial situation and pet’s needs, so you have control over the deductibles and reimbursement rates. 

Fees and coverages

4

Your pet needs to be at least 6 weeks old for enrollment and younger than 15 years for the full comprehensive coverage. Dogs above 15 years can still be enrolled on accident-only coverage. If your pet is already enrolled before reaching the maximum age limit, the policy will continue to apply even after the 14 year age restriction. 

Regardless of your pet’s health status or age, if already enrolled, your plan cannot be altered or dropped. However, you have the option to change your coverage.

Preventive care is available as an extra add-on and offers 100% reimbursement on wellness routine care expenses, such as vaccines, wellness exams, and screening, up to your chosen allotment amount.

Embrace Pet Insurance allows you to visit any licensed veterinary doctor in the US or outside when an incident occurs to your pet. Also, you can use their Pet Health Line for all your pet issues 24/7. 

Your monthly premiums vary depending on your customized plan. You will have to check on their website to get a quote.

Claim support

4.5

You can submit claims via direct mail, fax, email, uploaded online through their MyEmbrace portal or on their app. Embrace reimburses you on the covered claim when their claim support team approves it.

Claims on illnesses and injuries are typically processed within 10 to 15 business days from the day of verification, and wellness claims are usually processed within five business days. Claims can be reimbursed through direct deposits or checks, and direct deposit can take between 2-3 working days, while checks may take up to 7 working days. 

Depending on your deductible and reimbursement rate, their insurance platform reimburses up to but not exceeding your annual limit as stated in the policy for covered claims. 

Customer support

5

Customer care is available from Monday to Friday (9am – 8pm EST) and Saturday (10am – 2pm EST) to address any concerns you may have. To offer more personalized services, the insurer has set up various departments to address individual questions. The customer care contact is 1 (800) 511-9172, or you can email their customer support. There are also several FAQs on the official website to help address your concerns. 

Safe and secure

5

Embrace offers a secure platform for insuring your pet. The platform has set up a policy to safeguard your information and ensure your pet’s data is secured. Reimbursements are also done through secure direct deposits or checks sent to you. Direct deposits are made through ACH transfers which are safe and used by leading US banks. Additionally, the platform is regulated by relevant licensing authorities in the US. 

Embrace Insurance’s policies are underwritten by AMIG (American Modern Insurance Group) that has received a 5-star rating from AM Best. 

Is Embrace Pet Insurance right for you?

Embrace Pet Insurance ensures that pet parents can give their pets the best healthcare at affordable monthly premiums. With annual limits of up to $30,000 or unlimited, pet owners have peace of mind even when moving around with their pets as the platform does not limit you to specific veterinarians. 

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.