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History of Embrace
In 2006, Embrace sold its first policy. Since then, Embrace has grown to over 200,000 insured pets and paid out more than. In 2019, Embrace Pet Insurance had over $59 million in claims paid.
Some interesting background facts on Embrace:
- Embrace provides plans for insurance giants Allstate, Geico and USAA.
- Embrace one of the few pet insurance companies that offers an optional wellness plan with no restriction on how much you can spend for a specific routine procedure.
- Embrace offers an informative blog called The Water Bowl.
Policy Coverage
| Plans Offered | Accident and Illness, Optional Wellness Rewards Product Accidents Only (for pets age 15 and above online) |
| Underwriter | American Modern Insurance Group |
| Headquarters | Cleveland, Ohio |
| Where Plans Offered: | US |
| Deductible Type | Annual |
| Deductible Options | 200 to 1000 100 deductible offered for accident only |
| Reimbursement Option | 70, 80, or 90% |
| Policy Limit Options | $5,000.00 to $30,000.00, unlimited in some states |
| Lifetime Limits | Unlimited Up to Annual Policy Limit |
| Optional Wellness Coverage | Yes 3 levels of Wellness Option ($250, $450, $650) |
| Upper age limits | Yes, no new enrollment in accident & illness coverage for pets age 15 and older. |
| Vet Exam fees | Yes |
| Covers hereditary / congenital | Yes |
| Hips Dysplasia | Yes (6 month waiting period – can be reduced to 14 days with canine orthopedic exam report.) |
| Prescription Medications | Yes (optional in some states) |
| Cancer treatments | Yes |
| Emergency Visits | Yes |
| Hospitalization | Yes |
| Surgery | Yes |
| Prescription food | Yes (covered under Wellness Rewards) |
| Specialists | Yes |
| Outpatient Care | Yes |
| Holistic / Alternative | Yes |
| Waiting Periods | 2 days for accidents 14 days for illnesses 6 months for orthopedic coverage (can be reduced to 14 days with canine orthopedic exam report.) |
| Customer Service | Monday – Friday 8:30 am to 8:00 pm eastern time Saturdays 9:00 am to 1:00 pm eastern time Email, phone call, live chat |
| Filing Claims Options | Fax, email, mail, and direct upload from website, app |
| Enrollment Requirements | Pets must had had an exam in the last 12 months or within first 14 days of the policy for coverage to begin. |
| Year in Business | 2003 – 15 years |
| 30-day free look | |
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So Why Choose Embrace?
Here are Embrace’s strength:
- Offers exam fee coverage
- Offers diminishing deductible (for each year without an accident or illness claim reimbursement, they subtract $50.00 for you deductible)
- Offers short waiting periods (2 days for accidents, 14 days for illness)
- No annual exam requirements
- Offers behavioral therapy coverage
- Offers optional precertification
- Offers dental Illness coverage
- Offers the most flexible wellness options ($250, $450, or $650), no spending restrictions.
- Offers a 10% multiple pet discount (depends on state)
- Offers a 5% discount for active or former military (depends on state)
- Excellent customer satisfaction reviews with petinsurance review(9.3/10), and consumers advocate (8.8/10).
Although nice to have, Embrace does not offer:
- Does not offer 24/7 customer service, closed Sundays
- Does not offer 24/7 approvals, but offer pre-certification
- Does not cover prescription food with accident and illness plan(only for Wellness Rewards)
- Does not cover veterinary supplements with accident and illness plan
- Does not cover second injured knee if the first knee received treatment prior to policy enrollment
- Monthly rates are higher than most insurers
A Quick Overview on Embrace:
Embrace is ideal for pet owner’s seeking high customer service, and in need of a major medical plan with a flexible wellness option. While most pet insurance wellness options have spending limits per routine procedure, Embrace is one of the few pet insurance companies which allows the pet owner to freely choose how each routine procedure should be spent. Furthermore, Embrace customer service is excellent. We called customer service at different times, and each customer service was enthusiastic and knowledgeable. However, it is important to note that we do offer an unlimited option in some states. Policyholders can call in and ask about additional options available that are not displayed on our quote engine. If you live in a big city or area where veterinary cost is higher than average, coverage may max out, and the remaining balance will be your responsibility. So if you are looking for a major medical plan, with $30,000 being the maximum yearly coverage, a flexible spending wellness option, and excellent service, click on Get Your Free Quote below, and see if Embrace Plans and Prices will work for you.
