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Last updated on Apr 03, 2020

Embrace Pet Insurance Review

Comprehensive pet insurance with opportunities to save money and no lifetime maximums ​
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Embrace

  • Flexible coverage options
  • Healthy pet deductible
  • Up to 90% copay
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How We Reviewed Embrace Pet Insurance

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6 companies compared

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7 features evaluated

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2 ratings analyzed

Embrace pet insurance offers coverage for cats and dogs as young as six weeks and as old as 14 years. Its coverage is aimed toward being your lifetime choice for pet insurance. Once you enroll your pet, the coverage is locked in. The company won’t drop or change your policy based on your pet’s health or age. It offers a healthy pet deductible, which reduces each year you have no claims for your pet. Embrace provides the option of adding coverage for routine wellness alongside its accident and illness policies. Most notably, its policy of covering curable preexisting conditions sets it apart from many other pet insurance companies. 

Embrace has an A+ rating with the Better Business Bureau (BBB). The company’s insurance underwriter has an A+ rating with AM Best, so it’s financially strong enough to back its policies. Reviews from policyholders are primarily positive in terms of both coverage and customer service. For pet owners who are looking for comprehensive coverage, Embrace is a good option.  

ProsCons
  • Diminishing deductible

  • Fair evaluation of preexisting conditions

  • No lifetime limits
  • Enrollment fees
  • The Pet Insurance Factors We Analyzed

    Pricing 

    The cost of Embrace pet insurance varies depending on your pet, your deductible choice, whether you add the wellness program, and more. According to the website, Embrace insurance costs an average of $30 to $40 per month for dogs and $15 to $20 per month for cats. Dog plans are more costly because they are more prone to vet visits. Breed types also influence plan costs, as some are predisposed to genetic conditions. Your claims are subject to an annual deductible, but Embrace also offers a vanishing deductible. For each year your pet remains healthy and without a claim, your deductible reduces by $50. Your copay can be as high as 90%.

    One extra benefit for Embrace customers is a multi-pet discount. Depending on your state, you can save 5% to 10% on policies with two or more pets. There’s also a 5% military discount, though it’s not available in Florida, New York, or Tennessee. 

    Customer experience

    The Embrace website is easy to navigate unless you’re looking for ballpark costs before handing over your information. The easiest way to know how much you might pay for a pet is to apply for a quote. Otherwise, the site is conveniently laid out for customers. Coverage information and the claims portal are all immediately available on the top menu bar. There are even pet insurance brand comparisons and a blog for off-the-cuff advice and entertainment. Embrace also gives its customers ample ways to reach them. Its customer service is available by email, fax, regular mail, and live chat. Its phone contact center is open from Monday to Saturday.

    Coverage

    The Embrace website touts “nose-to-tail” coverage for your pet. All policies cover accident, illness, dental illness, breed-specific and genetic conditions, cancer, and chronic conditions. Exam fees are covered, along with several treatments. These include alternative therapy, behavioral therapy, emergency care, specialist care, and diagnostic testing. Hospitalization and surgery are both covered, as well as prosthetics, mobility devices, and prescription medication. 

    Embrace makes clear that no insurance covers preexisting conditions. However, it distinguishes between curable and incurable. If your pet is symptom and treatment-free for 12 months, your pet’s treatable condition can be covered. It also provides accident-only coverage and offers an optional Wellness Rewards package. This policy add-on is for coverage of routine veterinary care, training, and grooming.

    Another important thing to note is that coverage doesn’t reduce or cancel as your pet ages or if their health declines. You can rest assured your pets will always have the coverage when they need it. 

    Embrace Pet Insurance Overview: Financial Strength, Availability, and History

    Embrace pet insurance began in 2003 and sold its first policy in 2006. It has an A+ rating with the BBB and customer feedback is generally favorable. The underwriter company, American Modern Home Insurance Company, has an AM Best rating of A+, which suggests Embrace is financially secure enough to pay for claims.

    • In business since: 2003
    • BBB Rating: A+
    • AM Best Financial Strength Rating: A+ (for the underwriter, American Modern Home Insurance Company)
    • States served: 50

    The Competition


    States Available24/7 Claims ServiceWellness Coverage*
    Embrace50YesYes
    Figo Pet Insurance50YesNo
    Healthy Paws50NoNo
    Nationwide50YesYes
    24 Pet Watch50YesYes
    Trupanion50NoNo

    *Coverage for routine care like vaccinations, flea/heartworm prevention, etc.

    All information accurate as of 03/23/2020.

    The Bottom Line 

    Embrace pet insurance has an overall positive reputation, and policies are flexible enough to work for most pet owners. With perks such as multiple pet discounts and vanishing deductibles, it could be the cheaper option in the long run for many customers. To know for sure, it’s essential to get a quote from Embrace for your specific pet.

    Its policy on preexisting conditions can be helpful to those who are currently dealing with a curable issue. Overall, its coverage is thorough, especially if you add the Wellness Rewards package. Embrace pet insurance is a good fit for customers looking for a flexible policy for their pets.

    About the Authors

    Lorraine Roberte

    Lorraine Roberte Contributing Writer

    Lorraine Roberte is a South Florida-based personal finance writer. Her work has been published on sites such as Thrive Global, Elephant Journal, Red Tricycle and Tweak Your Biz.