Embrace Pet Insurance Review: Painless, Affordable Pet Insurance

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In this Embrace Pet Insurance review, we dive into what they cover and how much Embrace Pet Insurance costs.

Overview of Embrace Pet Insurance

Embrace Pet Insurance has insured over 120,000 pets. In 2012, Embrace Pet Insurance partnered with American Modern Insurance Group.

Since that time, they have received numerous awards, including an AM Best A+ Superior rating. Embrace Pet also underwrites policies for GEICO insurance and other pet insurance providers.

  • Covers dogs and cats
  • Waiting period 14 days illnesses, 48 hours accidents
  • Required vet visit for enrollment
  • Medical history review to determine pre-existing conditions
  • Use any licensed veterinarian
  • Average premium between $20 and $60 per month depending on the plan
  • Diminishing deductible plan
  • Attractive Embrace Wellness Plan
  • Paperless process
  • Annual limit options: $5,000, $8,000, $10,000, $15,000 and $30,000
  • Ideal if you are looking for full ‘nose-to-tail’ coverage
  • Direct deposit reimbursement

The ‘Nose-to-Tail’ Plan Coverage

What distinguishes Embrace Pet Insurance from other pet insurance companies, is its ‘Nose to Tail’ coverage plan. You can personalize your plan to include breed-specific coverage. The coverage consists of different medical conditions and genetic conditions found in certain breeds.

The coverage excludes special conditions such as any health issues or injury that falls within the waiting period. If you are not sure that your pet as a pre-existing condition, you can request a Medical History Review. Embrace will look at your pet’s medical history and outline any pre-existing exemptions to the plan.

If your pet’s condition is not covered under the plan, you can cancel the policy penalty-free within the first month.

What Is Covered Under Noise to Tail?

The plan covers any medical treatment from a licensed veterinarian. So, you don’t have to worry about any network conditions. Embrace will cover the following:

Medical Conditions:

  • Allergies
  • Hereditary conditions
  • Dental trauma
  • Injuries
  • Congenital conditions
  • Chronic conditions
  • Hip dysplasia
  • And more

Medical Procedures:

  • Allergy testing, lab tests, and biopsies
  • Ultrasounds
  • X-rays. MRIs, and CT scans
  • Emergency care
  • Surgery
  • Hydrotherapy
  • And more

Also, they will cover any follow-up visits to the doctor. If your pet has no problems within a year of the treatment, then you may also qualify for curable condition coverage.

Embrace Pet Insurance Discounts and Promotions

One of the perks of using Embrace Pet Insurance is that you can take advantage of multiple discounts, including:

  • Healthy pet deductible: Embrace takes $50 off your deductible every time you go a year without filing a claim. This accumulates each year.
  • Spay/neuter discount: Pet parents in New York and Rhode Island receive a 5% discount to have their pets spayed or neutered.
  • Multiple pet discount: Do you have more than one pet? Embrace offers a 10% discount for the second pet. The offer is 5% in New York and Rhode Island.
  • Annual pay discount: Pet parents in New York and Rhode Island get 5% off their policy if they pay annually instead of monthly.
  • Military discount: Are you in the military? You get a 5% discount off your policy if you are an active or former member of the Armed Forces. You simply need to provide proof of status.
  • ACH discount: Pet parents in New York get a 5% discount when using their bank account to pay their premium.
  • Employee benefit: Any employee of a company that offers Embrace Pet Insurance gets a 10% discount. Pet owners in TN, get a 5% discount. Check your state for availability.
  • Vet discount: If you operate or work in a licensed veterinary practice, you receive a 20% discount. Vets in KY receive a 10%. Check your state for availability.

How Much Does Embrace Pet Insurance Cost?

Your policy and premiums will depend on specific conditions, such as your dog’s breed, size, and age. Other factors may also include the state you live in. We went to the website to ‘retrieve’ a quote.

Here’s the information we loaded (based on an actual dog):

  • Species: Dog
  • Gender: Male
  • Breed: Yorkshire Terrier
  • Age: 2 years old
  • Location: Florida

Here are the results:

We tried it again, this time for a feline (based on an actual cat):

  • Species: Cat
  • Gender: Female
  • Breed: Bombay
  • Age: 2 years old
  • Location: Florida

Here are the results:

As you can see, with a $10,000 limit, $200 annual deductible and 90% co-pay or reimbursement, you will pay roughly $35/month for a toy dog and $25 per month for a cat of the same size. Keep in mind that the rates will vary depending on your pet and your location.

Embrace Pet Insurance Waiting Period

As stated on their website, Embrace requires a half-month waiting period to keep their rates low and provide quality pet policies. Their 14 day waiting period is as follows:

  • Pet owners must wait 14 business days before filing a claim for an illness or medical condition.
  • Pets owners must wait 48 hours before filing a claim for an injury.
  • Orthopedic conditions require a six-month wait before the owner can file a claim.

To ensure your pet qualifies for insurance, you must schedule a vet visit within a year before you enroll. If your pet has not been to the vet, you must schedule a visit within 14 days of enrolling. The vet must perform a diagnostic exam for medical purposes. The veterinarian must carry a valid license. This excludes any visit to a clinic that performs spay or neuter procedures.

Incentives and Rewards

Embrace offers some innovative incentives and rewards to help policyholders with the rising costs of medical care, including:

The Healthy Pet Deductible

Embrace offers a Healthy Pet Deductible for a ‘clean record.’ If you do not file any claims within a year, Embrace credits $50 toward your deductible. They continue adding $50 every year that you go without filing a claim. If your deductible is $500, you will only have to spend $450 before the insurance kicks in. If you go another year without a claim, you only have to pay $400, and so on.

Embrace Wellness Rewards Add-On

In addition to coverage, you may also be interested in the Embrace Wellness Reward program. This is a preventative care plan that reimburses you for routine vet visits. It covers routine care such as:

  • Wellness exams & vaccinations
  • Flea and tick treatment & heartworm medication
  • Spay & neuter
  • Blood tests & microchipping
  • Umbilical hernia repair
  • Grooming, toenail trimming & medication shampoos
  • Anal gland expression
  • Nutritional supplements
  • Teeth cleaning
  • Special diet food
  • And more

Limits, Deductibles, and Claims

Before you enroll your pet in Embrace Pet Insurance, you need to understand some of the conditions of the policy.

Pet Insurance Policy Limits

If your pet is 13 years or younger, it is eligible to receive full injury and illness coverage. If your pet is 14 years or older, it is eligible for accident coverage. However, there are limits to accident coverage for older pets. For instance, your pets must have symptoms related to diabetes, FeL/FIV, Cushing’s disease, or Addison’s disease. You can continue the policy for the life of your pet as long as you stay within your annual maximum coverage limits. Embrace offers the following limits:

  • $5,000
  • $8,000
  • $10,000
  • $15,000
  • $30,000

These are the amounts that the insurance company is willing to pay before you have to pay out-of-pocket.

Deductibles

As with any other insurance, you have to pay a deductible before Embrace picks up the rest of the bill. There are several options for deductibles depending on your pet’s circumstances. Deductible options include:

  • $200
  • $300
  • $500
  • $750
  • $1000

Reimbursements range from 70% to 90%. You can also use your Wellness Rewards from your chosen plan. Also, as with other types of insurance, your monthly premiums will be lower if you want a higher deductible.

If you want to switch your deductible, your pet will need to go through the certification process once again. Any previous medical conditions are now pre-existing. Keep this in mind when choosing a plan for your dog or cat.

Filing a Claim

Embrace Pet Insurance makes it easy to file a claim through your online account. They require a written claim form and invoice that the veterinarian will fill out for you. All you have to do is upload the documents to your Embrace account. You also have the option of mailing or faxing the forms. Most claims take between 5 and 15 days to process and reimburse.

Pros and Cons of Embrace Pet Health Insurance

With all the wonderful features of Embrace Pet Health, there are a couple of areas where they stumble. Let’s take a look at the Pros and Cons of the insurance plan.

Pros

Here are some things we like about Embrace Pet Insurance:

Cancer Medication Coverage

Not all pet insurance companies offer coverage for a cancer prescription drug (even if they do offer it for some procedures). Since cancer is the leading cause of death in dogs and cats, it may be worth it to have the coverage. If your pet is diagnosed with cancer after you enrolled, insurance will cover a portion of the vet bills.

Coverage for treatment costs include exam fees, diagnostic & testing, radiation, chemotherapy, surgery, rehab, alternative therapies, and follow-up care. Common types of cancer that Embrace covers include Lymphoma, Mast cell tumor, Lipoma, Melanoma, Osteosarcoma, and Hemangiosarcoma.

Dental Care

Another key feature of Embrace Pet Insurance is dental illness care coverage. The coverage is designed to protect your pet from accidents or certain medical conditions. Coverage includes conditions such as damaged teeth, extractions, gingivitis, tooth protection, stomatitis, or tooth decay.

Accidents are covered under your standard health insurance policy. Illnesses receive coverage up to $1,000 annually. Compared to other insurance companies, Embrace offers a more complete plan. For instance, they offer coverage for illnesses and additional work such as root canals and crownsHealthypawsNationwide, and AKC pet insurance does not provide that much coverage.

Great Pet Deductibles

While Embrace’s deductibles are not the best, they are impressive enough to rank high with most review sites. For instance, they have the same low deductibles as Healthy Figo, PawsPetFirst, and Progressive. PetFirst Healthcare does have a lower deductible ($50), but the company does not have as many deductible options as Embrace.

Cons

Here are some areas that Embrace could improve upon, including:

Pre-Existing Condition Exclusions

It is true that most insurance companies tighten the collar on pre-existing conditions. However, Embrace has a more extensive list and tougher conditions than many of the other leading insurance companies.

What is not covered under the policy?

  • Routine veterinary care (although they do offer the Wellness Reward plan at an additional cost)
  • Pre-existing conditions
  • Deliberate injury caused by the owner
  • Injury resulting from a physical sport (fighting, racing)
  • Cosmetic procedures
  • DNA testing or cloning
  • Organ transplants
  • Stem cell therapy

Another pre-existing condition clause is the CCL (ACL) policy. If one leg is injured from an ACL injury, the other adjacent leg (front set or rear set) is not covered under the policy. It does not matter if the other leg has never had a medical issue. Embrace still considers it a pre-existing condition.

No Unlimited Claim Options

While unlimited claim options are unheard of in human health insurance, some insurance companies offer it for pets. This type of coverage gives pet parents greater peace of mind.

For instance, Healthy Paws offers unlimited lifetime benefits and no cap on claims. Nationwide has a $250 deductible with unlimited claims attached. Pets Best Insurance provides top-tier plans with unlimited claims. ASPCA also provide unlimited annual coverage limits.

This is an area where Embrace Insurance falls short. As stated earlier, their limits start at $5000 and cap at $30,000.

Enrollment Fee and Monthly Fee

If you read the fine print, you will discover that Embrace charges a $1.00 monthly transaction fee and a $25 enrollment fee. There is no doubt that this will irritate some shoppers. It will even be a deal-breaker for others.

However, Embrace Pet Insurance more than makes up for it with their low rates, low deductibles, and perks.

Bottom Line: Is Embrace Pet Insurance for You?

Embrace has favorable customer reviews, an A+ BBB rating, and typically ranks toward the top of best pet insurance companies. However, there is nothing overly remarkable about the insurance company’s plans or pricing structure. They fall in the middle ground.

With that in mind, consider the following:

What You Need to Know About Pet Insurance

Although each insurance plan differs slightly, they are all governed by industry standards and regulations. Therefore, there is not much flexibility with what they can offer. With that in mind, here is what you should expect from a pet insurance company:

Enrollment Policies

The age of your pet determines three things:

  1. What type of insurance your dog or cat qualifies for
  2. How much you will for coverage
  3. If the insurance company will accept the pet and under what conditions

Most insurance companies require pets to be at least six to ten weeks old to start insurance. On the opposite end, companies stop insuring pets from 10 to 14 years old. Once you insure your pet, a company should insure it for life. Make sure you send your pet to the vet for the required exam.

Types of Accidents Covered

By nature, accidents happen as a result of a mishap or catastrophe. If you harmed your pet intentionally, your insurance policy would not cover the injury. Otherwise, a plan should cover things like car accidents, poisoning, or a similar accident.

Do you have illness insurance? If not, the insurance plan will not cover sickness or medical conditions. Make sure you understand the type of insurance you have and what it covers.

Four Types of Treatment

Where most insurance companies vary is in the type of treatment they cover. So, you may want to review these four main types of treatment so that you can tell the difference:

  1. Alternative treatment/behavioral treatment: Not all insurance companies are on board with alternative treatments. As a result, you may not get coverage for things like acupuncture or chiropractic care. Some insurance companies will provide limited coverage, and others full offer full coverage.
  2. Continual treatment: If your pet has a chronic illness or terminal condition, some insurance companies will not cover it after a year. Find out what the company will cover after your annual policy renews.
  3. Exam fees: Never assume that a company will reimburse you for exam fees. Again, some will and some will not. Some insurance companies distinguish between exams and other medical procedures. For instance, Petplan covers their exam fees.
  4. Routine procedures: Most companies add a separate plan for routine or wellness coverage care. The plan may include things like teeth cleaning, neutering/spaying, or vaccinations. You can pay additional for the wellness plan if you want these benefits.

Payout Limits

Some insurance companies do not put a cap on their coverage.

The trade-off is that you may have a higher deductible or monthly premium. You should only consider a company with unlimited coverage if the breed of your pet is known for having terminal medical conditions.

Otherwise, most insurance companies will cap your limit at $10,000 to $30,000. A few companies offer special plans that push the cap to $50,000 or $100,000. However, most pets never need that much insurance.

Brian Roberts

Brian Roberts

Editor at CarefulCents
Featured in The Washington Post and published in Entrepreneur, Forbes, Business Insider, Time, Inc., CNBC and others.