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

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

FEATURES

Title
  • Accidents The insurance provider covers treatment needed as a result of an accident.

  • Cancer Treatments The insurance provider covers cancer treatments for your pet.

  • Choose Your Vet The insurance provider allows you to take your pet to any licensed veterinarian for treatment.

  • Chronic Conditions The insurance provider covers chronic conditions, such as diabetes.

  • Congenital Conditions The insurance provider covers congenital conditions.

  • Emergency Visits The insurance provider covers emergency visits for your pet.

  • Hereditary Conditions The insurance provider covers hereditary conditions.

  • Holistic Treatments The insurance provider covers acupuncture, chiropractic, or other holistic treatment options.

  • Hospitalization The insurance provider covers your pet's hospitalization.

  • Illness The insurance provider covers a variety of pet illnesses.

  • Imaging The insurance provider covers MRIs, X-rays, CT scans, and other imaging treatments.

  • Lab Tests The insurance provider covers lab tests for your pet.

  • Medications The insurance provider covers medication for your pet.

  • Rehabilitation The insurance provider covers rehabilitation services for your pet.

  • Surgery The insurance provider covers certain surgeries for your pet.

  • Pre-Existing Conditions The insurance provider covers pre-existing conditions.

  • Cats You can get insurance coverage for your cat.

  • Dogs You can get insurance coverage for your dog.

  • Birds You can get insurance coverage for your bird.

  • Exotic Pets You can get insurance for amphibians, chameleons, chinchillas, snakes, rats, tortoises, turtles, or other exotic pets.

  • Downloadable Form You can access a claim form online.

  • Fax You can file a claim via fax.

  • Mail You can file a claim by standard mail.

  • Track Status Online You can track the status of your claim online.

  • Email You can file a claim via email.

  • Online Quote You can get a quote for your pet insurance online.

  • Policy Purchase - Online You can purchase your pet insurance policy online.

  • Policy Purchase - Phone You can purchase your pet insurance policy on the phone.

  • Online Account You can create an online user account where you are able to change your information, pay your bill, and more.

  • Email/Ticket You can contact the insurance provider through email or a ticket system for support.

  • Phone You can contact the company by phone for support.

  • Social Media You can contact the company through social media.

  • Live Chat You can contact the insurance provider via live chat for support.

  • Dental Cleaning The insurance provider covers dental cleanings for your pet.

  • Fecal Screening The insurance provider covers fecal screenings for your pet.

  • Heartworm Tests The insurance provider covers heartworm tests for your pet.

  • Microchipping The insurance provider covers the cost of microchipping your pet.

  • Spay/Neuter Procedures The insurance provider covers spaying/neutering your pet.

  • Vaccines The insurance provider covers vaccines for your pet.

  • Behavioral Therapy The insurance provider covers the costs of behavioral therapy for your pet.

  • Euthanasia The insurance provider covers the costs of euthanasia.

  • Boarding Kennel Fees The insurance provider covers boarding kennel fees.

  • Loss/Theft Reimbursement The insurance provider reimburses you if your pet is lost or stolen.

  • Pregnancy The insurance provider covers expenses related to pet pregnancy.

  • Annual Pay A discount is available if you pay your policy in full each year.

  • Multi-Pet A discount is available if you insure more than one pet.

  • Microchipped Pet A discount is available if your pet is microchipped.

  • Organization Discount A discount is available if you belong to organizations like AAA, AARP, the military, or have membership with other similar groups.

  • Blog The insurance provider publishes a blog with tips, best practices, or other content related to pet insurance.

  • Knowledge Base The insurance provider has a knowledge base of detailed help articles.

  • FAQs A list of answers to frequently asked questions is available.

  • Forum An interactive forum where users can post questions and answers is available.

Similar Products


We recently added comments and we're amped to hear your input. Keep it civil and intelligent, and be sure to peek at our Community Guidelines before posting. If you'd like to contact the staff, our inbox is always open.