Embrace Pet Insurance review

Embrace Pet Insurance Review: Features and Benefits

Embrace Pet Insurance is a well-established name in the industry. With coverage for elder pets and the inclusion of hip dysplasia treatment in standard accident and illness policies, they are a notable option in the pet insurance space. Accident coverage begins on the policy effective date, though illness and orthopedic coverage involve longer waiting periods.

Veterans will love Embrace for their 5% discount on all plans.

• Hip Dysplasia coverage on all accident and illness policies

• Extra office visits for senior pets

• Dental illness coverage

• Wellness plan add-ons

• 5% discount for veterans

• No waiting period for accident coverage; illness and orthopedic waiting periods apply

Embrace Pet Insurance Review: Editorial Rating

Trusted Company Reviews Rating Score for Company name: 7.7/10

Embrace appears on our list of the best pet insurance providers with a score of 7.7/10, recognized particularly for its coverage of high-risk and large breeds. They earned strong marks for including hip dysplasia in their accident and illness coverage — a condition that many pet insurance policies exclude, leaving breeds such as German Shepherds, Labrador Retrievers, Bulldogs, and Saint Bernards without coverage for one of their most common health risks. Treatment can be costly, and Embrace covers it even for breeds that are genetically predisposed.

Furthermore, Embrace loves elder dogs and not only covers them but also allows coverage for additional visits to keep them healthy well into advanced age.

The lower score reflects the lack of a direct pay option, reimbursement percentages that cap at 90%, and longer waiting periods for illness and orthopedic coverage compared to some competitors. After meeting your deductible, you'll be responsible for at least 10% of covered costs.

About Embrace Pet Insurance

Embrace truly does its best to offer pet parents the best possible coverage for their pets. For instance, while other providers have a hard line against covering pre-existing conditions, Embrace handles things differently. If your pet has a pre-existing condition but has been symptom-free for one year, Embrace will cover treatment if it returns.

Embrace also handles wellness differently. Rather than offering an additional wellness policy, they offer a Wellness Rewards program. When you opt for Wellness Rewards, you’ll automatically receive $25 towards your coverage on day 1. Each month, you’ll pay into your rewards account, but you’ll have full access to the total amount of the plan limit starting on day one. Think of it as a healthcare savings account. You can choose coverage amounts of $250, $450, or $650 annually. There is no waiting period, and Embrace will add the cost directly to your monthly insurance premium.

If charitable giving is important to you, you’ll love Embrace’s dedication to giving back. For starters, the company matches all employee donations. Whether the employee chooses a pet-focused charity or another they are passionate about, Embrace matches them all. They also provide all employees with Volunteer Time Off during which they can spend time supporting the causes that mean the most to them. In addition to employee-focused giving, Embrace gives to pet-focused charities around the country. According to Embrace, in 2023, they donated more than $506,000 and over 1,600 volunteer hours to 150 nonprofits.

How does Embrace work?

Embrace Pet Insurance is a reimbursement-based policy. This means that when your pet requires medical care, you’ll take them to the licensed veterinarian of your choosing. There’s no need to find one that “accepts” Embrace Pet Insurance.

Once your pet has been cared for by the vet, you’ll pay the bill. Then, you’ll submit a claim through Embrace and receive reimbursement for fees associated with covered services.

Does Embrace Pet Insurance cover neutering?

Embrace’s Wellness Rewards plan covers spaying and neutering. This plan allows you to pay into the program monthly as part of your premium and then utilize the savings to pay for wellness needs such as sterilization, vaccination, fecal testing, and more.

Does Embrace Pet Insurance cover dental?

Embrace Pet Insurance covers dental care when necessary due to illness. For instance, if your pet develops an infection in their gums, their care may be covered. However, only the Wellness Reward plan offers coverage for preventative cleanings. If you’re interested in making sure you receive reimbursement for those services, choose the Wellness Rewards option when purchasing your policy.

What Does Embrace Pet Insurance Cover?

Embrace Pet Insurance offers comprehensive policies that cover pets of all ages. They even provide coverage for senior pets, something other insurance plans don’t allow.

Embrace’s basic accident and illness policy includes coverage for injuries and sickness, as well as dental illness, cancer, breed-specific conditions, genetic conditions, congenital conditions, preventable conditions, hospital and surgical care, and more. Their coverage of breed-specific, congenital, and genetic conditions sets them apart from other providers, as standard policies typically exclude them.

Embrace also offers a Wellness Rewards add-on that provides coverage designed to keep your pet healthy rather than only cover them in case of illness or injury. With the add-on, you can receive reimbursement for wellness exams, vaccinations and titers, gland expression, prescription pet food, grooming, flea, tick, and heartworm prevention, microchipping, and more.

As is standard with most pet insurance policies, Embrace excludes pre-existing conditions, breeding and pregnancy care, injuries related to neglect or abuse, injuries from fighting or racing, cosmetic procedures, and a few other specific instances. Another feature that sets them apart from other pet insurance providers is that they allow coverage for pre-existing conditions if they return after one year of being symptom-free.

Embrace Pet Insurance Review: Cost and Deductibles

Embrace Pet Insurance plans are customizable to fit your needs and budget. Pet parents can design a basic policy that offers coverage for as low as $8/month. However, lower deductible plans with higher coverage options and a wellness add-on will be more expensive.

It’s free to visit Embrace Pet Insurance’s website for a quote. Simply enter your pet’s information and toggle the options to create a policy that fits your needs.

Embrace Pet Insurance Waiting Period Information

Embrace Pet Insurance offers accident coverage starting on your policy’s effective date. Sixteen days later, illness coverage begins. This is standard for most pet health insurance policies.

Embrace Pet Insurance Reviews

Embrace Pet Insurance has a Trustpilot score of 4/5 and over 4,000 reviews. Most consumers were happy with their policy, praising the Embrace app's ease of use, simple claim submissions, and quick reimbursement turnaround time. Some also stated that Embrace’s customer service was courteous and efficient. Most were thankful for the coverage when emergencies arose and their pet required expensive veterinary care.

Some pet parents were disappointed in Embrace’s coverage, noting that they felt Embrace had unjustly denied their claims. Some were also frustrated by coverage limitations for older pets in certain states.

A representative from Embrace appears to reach out to dissatisfied customers in an attempt to make things right.

Embrace Pet Insurance Alternatives

Need other options to help protect your pets? Here are other pet insurance reviews at Trusted Company Reviews:

• MetLife Pet Insurance

• Lemonade Pet Insurance

• Spot Pet Insurance

• Careplus by Chewy Pet Insurance