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November 12, 2015

Pet Insurance

Embrace Review

Embrace makes it easy for customers to customize their policies by letting them choose the level of coverage they want and how much they want to pay in the event of an emergency. Note the options available to older pets are rather limited.

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The Good

Easy to customize policy

Embrace enables you to customize your policy by selecting from a number of deductible and copay options. Copays vary anywhere from 10% to 35% of the vet bills, and deductibles can be anywhere from $100 to $1,000 in $100 increments. Having these options gives you the chance to tailor your Embrace pet insurance policy to suit your needs. For example, if you want good coverage but don't want an expensive bill every month, you're probably better off selecting a higher deductible and copay. On the flip side, if you want your insurance to cover most of the costs in the event of an emergency, you'll want to choose lower amounts.

Streamlined quote process

Getting a quote from Embrace pet insurance is simple and can be completed within a matter of minutes. You start by entering some basic information about your pet, like their name, species, breed, sex, and date of birth. Embrace also asks you a few questions to determine what discounts you may qualify for. From there, you select the level of coverage you want and add more pets to the policy if you need to. You then fill out a section about your own personal and payment information and you're all set. At any time in the process, you can save your quote if you're not quite ready to make a purchase. If you have any questions about your quote, you can contact Embrace and their representatives will walk you through it.

Wellness and routine care coverage

Though not included with any of Embrace's standard pet insurance policies, you can add on one of two wellness rewards packages to your plan to cover routine and preventative treatments. This costs an additional monthly fee and covers things like vaccines, dental care, blood tests, prescription diet food, and more. When you add one of these packages to your policy, you receive a yearly monetary allowance that can be put toward these treatments. You don't have to pay a deductible or copay for any wellness or routine care procedures, and there's also no waiting period for using these benefits.

Good selection of discounts

Embrace gives you a variety of ways to save on your pet insurance policy, including a 5% discount just for paying annually. Insuring two or more pets on your policy is worth another 5% off, as is having your pet spayed or neutered. Note that if you get this procedure done after you enroll, this discount can be applied after your policy has gone into effect. Embrace also offers savings to military members and partner organizations. If your business offers Embrace, you may be eligible for a workplace discount on your pet insurance premiums as well. Few pet insurance companies offer this many savings to their customers, so it's worth getting a quote from Embrace to see how much you can knock off your premium.

The Bad

Low limits on illness coverage

If you own a purebred dog or cat, they will not be eligible for illness coverage from Embrace unless they're enrolled before the ages of 6 and 8, respectively. Mixed-breed dogs and cats fare a little better, with dogs eligible for enrollment up to age 8 and cats to age 10. This won't be an issue if you're insuring a younger pet, but if you're looking for more comprehensive coverage for your older cat or dog, a company like Healthy Paws is probably a better choice.

Medications not included in standard coverage

Embrace pet insurance does offer coverage for prescription medications, but it costs extra. Almost all other pet insurance providers include this as part of the standard medical coverage and don't require you to pay an additional fee. If you don't feel that medication coverage is a necessity, however, Embrace pet insurance may still be the right fit for you.

Claims must be submitted by fax or mail

Embrace does attempt to make the claims process easier by letting you download and print out your claims forms but, in order to submit them, you have to fax them or use standard mail. There is no way to email your claim, which would be a much faster method of delivery. This is a fairly minor criticism, but it's still something to be aware of when selecting a pet insurance provider.

The Details


  • Co-Payment: 10-35%
  • Deductible: $100 - $1,000
  • Maximum Age of Pet to Be Insured: Unlimited
  • Maximum Annual Benefit: $5,000 - $15,000
  • Maximum Benefit Per Incident: Unlimited

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