Embrace Pet Insurance Review
Appreciated by customers for a wide range of coverage options available under one standard plan, Embrace boasted a 92% payout rate for claims in 2021. It offers a 24/7 helpline plus an easy-to-use app which lets you submit claims quickly. It also offers a diminishing deductible which reduces by $50 for each year you do not make a claim. As an added bonus, $2 of every single new policy is donated to an animal charity.
Table of contents
- How does Embrace pet insurance work?
- The benefits of Embrace pet insurance
- Embrace plans explained
- What does Embrace pet insurance cover?
- Embrace coverage vs. other insurers
- Is Embrace pet insurance good value for money?
- How good is Embrace’s customer service?
- How do I contact Embrace?
- What is Embrace’s claims process?
- How much will Embrace pay for my claim?
- Are there any exclusions?
- What are the waiting periods for conditions?
- How quickly does Embrace pay claims?
- Can I customize my Embrace plan?
- State availability for Embrace
- Verdict: Is Embrace pet insurance good?
Our Embrace rating
Pros & Cons of Embrace pet insurance
- Two-day waiting period for accident cover
- 24/7 pet telehealth line
- Covers the vet visit fee for illness and accidents
- Deductible reduces by $50 every year without a claim paid
- Six-month waiting period for orthopedic conditions
How does Embrace pet insurance work?You can submit a quick and easy claim via the Embrace website or mobile app when you create a ‘MyEmbrace’ account. This is where you can access your policy details, keep track of your claims, and manage your Wellness Rewards. Wellness Rewards is a non-insurance benefit which reimburses you for routine veterinary, training, and grooming costs.
The benefits of Embrace pet insuranceEmbrace is well rated for its benefits, but perhaps the most notable is the $50 you’ll receive off your deductible for every year you have not made a claim. Your pet will still be fully covered by the plan you’ve chosen, but the diminishing deductible will make that insurance premium a little more bearable. The 24/7 PawSupport helpline is also a reassuring touch, providing advice or emergency care when you need it.
Embrace plans explainedEmbrace offers a single, comprehensive plan which covers both illness and accidents. Plans cover a wide range of issues including specialist care, surgeries, chronic illnesses, and breed-specific or congenital conditions. You can customize your annual deductible, annual maximum payout, and reimbursement package. Plus, the Embrace Wellness Rewards scheme is an optional extra which covers everyday care such as grooming, vaccinations, prescriptions, and training.
What does Embrace pet insurance cover?Pet insurance can be the hero of the hour when your pet has an accident or ongoing illness. Embrace plans will reimburse a direct percentage of your vet bill which could mean receiving up to 90% back on those unexpected vet bills. Embrace also covers congenital conditions, vet visit fees, medical tests and much more.
Embrace coverage vs. other insurersHow does Embrace stack up against America’s other providers? Have a look at our handy table!
|Annual coverage options||$5,000, $8,000, $10,000, $15,000, $30,000||$5000, $10,000, $20,000+||$10,000, $30,000+||$5,000, $10,000, Unlimited||Unlimited||$5,000, Unlimited||$3,000, $4,000, $5,000, $7,000, $10,000||$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited||Unlimited||$5,000, $10,000, Unlmited||$10,000, $20,000, Unlimited||$20,000||$10,000, Unlimited|
|Deductible options||$200, $300, $500, $750, $1,000||$100, $200, $500||$100, $200, $500||$100, $250, $500, $750||$100, $250, $500, $750, $1,000||$50, $100, $200, $250, $500, $1,000||$100, $250, $500||$100, $250, $500, $750, $1,000||$0 - $1,000||$300, $500, $700||$100, $250, $500||$250, $500, $1,000||$250|
|Reimbursement options||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%, 100%||50%, 60%, 70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||70%, 80%, 90%||50%, 90%||70%, 80%, 90%||90%||90%, 100%||50%, 70%, 90%|
|When does coverage start?||2 weeks||Immediate||2 weeks||2 weeks||15 days||14 days||15 days||14 days||5 days||15 days||14 days||15 days||14 days|
|Maximum age at sign up||14||14 years||12 years||No Maximum||14||No Maximum||No Maximum||No Maximum||14||No maximum||No Maximum||14 years||10 years|
|Are vet exam fees included at no extra cost?|
|Are dental accidents covered?|
|Are dental illnesses covered?|
|Is there a wellness plan offered?|
|Is there a virtual vet/telehealth service?|
|End of life coverage|
|Is there a multi-pet discount offered?|
|Is there a charge for paying monthly?|
|Is there an app to make claims?|
*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement
Is Embrace pet insurance good value for money?Reviews show that people are happy with the wide amount covered by Embrace pet plans versus the premium costs and benefits such as the diminishing deductible policy. There is also a 5% military discount available and up to a 10% multi-pet discount.
|4-month-old Mixed Breed Medium||2-year-old Golden Retriever||6-year-old Domestic Shorthair Cat|
|Los Angeles||New York||Florida|
How good is Embrace’s customer service?Embrace generally has a good satisfaction rate for its customer service among our reviewers, who mention the convenience of having a 24/7 helpline and a snappy two-day waiting period for accident coverage.
How do I contact Embrace?The general email for Embrace is email@example.com but you can also email claims questions to firstname.lastname@example.org. For policy quotes call (800) 779-1539, for support call (800). You can also use the chat function on the website or your Embrace app. Connect with the Facebook, Instagram, and LinkedIn accounts to find up-to-date information and message Embrace directly. Lastly, the postal address for Embrace is P.O. Box 22188, Beachwood, OH 44122-0188.
What is Embrace’s claims process?Submit a claim with a MyEmbrace account through the website or the app. Reviewers seem to be happy with the simplicity and speed of this process. Just upload a photo of your invoice and receive your reimbursement by check (arriving in the post in up to 10 days) or by direct deposit (reaching your bank account within 1-2 business days).
How much will Embrace pay for my claim?Embrace pays up to 90% of vet bills, reimbursing a direct percentage of your claim minus the deductible and co-pay on your policy.
|Cash back w/ 70%||Cash back w/ 80%||Cash back w/ 90%||Difference between 70% & 90%|