Embrace Review

ByBestmoney StaffDec. 30, 2020
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In a Nutshell

Embrace offers A+ customer satisfaction with full coverage for accidents, illnesses, and hereditary conditions. The plans are customized for you, and Embrace donates money from each new policy towards animal charities.

pros

  • Congenital condition coverage
  • $50 off your deductible for each reimbursement-free year

cons

  • Some exclusions are quite broad
  • Wellness is extra

Embrace Embrace Visit Site

Highlights

  • 24/7 customer service
  • One comprehensive plan
  • $2 of each new policy goes to an animal charity
  • Discounts if you pay a year’s worth of insurance up front

What’s Covered?

Embrace has one standard plan, which covers both accident and illness. You can customize the plan to your liking by selecting your preferred annual deductible, reimbursement percentage and annual maximum payout.

Coverage is extremely wide-ranging. Aside from diagnostic procedures, surgery and hospitalization, it also includes rehabilitation. You'll also get full coverage for congenital conditions, a unique service for the pet insurance industry. Embrace has coverage for pets at risk of problems due to breed-specific traits and as long as your pet hasn't shown symptoms or been diagnosed with a condition.

Limits and Deductibles 

Embrace’s pet insurance policy has an annual deductible, a choice of $200, $300, $500, $750 and $1000.

Payouts are a percentage of your total bill - 70%, 80% or 90%, depending on your choice - but are subject to a maximum annual limit. The maximum annual limit is also customizable. The lowest annual limit is $5,000 whilst the highest annual limit is $30,000 in most states, and unlimited annual maximums are available in most states via phone enrollment.

Value for Money 

Given the extent of cover you get, Embrace is surprisingly affordable. 

You can also benefit from various discounts. You get $50 off your deductible for each year you don’t make claims. There are also additional discounts to be had if you pay a year’s worth of insurance up front, if you’re a veteran you receive a 5% military discount, and you get 10% off if you insure more than one pet. If you live in NY, and pay annual, you save $12 on the monthly billing fee.

Age Limits 

Embrace does not insure pets older than 14, however pets older than 14 are still eligible for coverage via the accident-only policy.

Given that the average lifespan of dogs is 13, while cats live about 15 years, this is a more than reasonable cutoff period. In any case, coverage is locked in for the lifespan of your pet. Unless you let your policy lapse, your pet is covered for life.

The Fine Print: What’s Not Covered? 

Embrace won’t cover pre-existing conditions, anything related to pregnancy and injury or illness caused by abuse or neglect. The latter exclusion is quite broad, and could extend to accident or injury in circumstances that are out of your control. 

Certain conditions will no longer be classified as pre-existing if they don’t recur for 12 months after your pet is insured. Unfortunately, however, certain conditions are considered incurable and will be considered pre-existing for the whole length of the policy. It seems that even ligament tears to a previously unaffected limb would be considered pre-existing.

Embrace coverage has been updated so that only the type of cancer the pet was previously diagnosed with is excluded, however other types of cancer can be covered.

Conclusion

Embrace has a comprehensive offering at affordable rates. Embrace has full coverage for congenital conditions and a diminishing deductible which makes them cost-effective.

Wellness are only available as additional extras, which means you’ll have to pay for them separately.

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Embrace customer testimonials

GreatReviews 331
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Excellent
72%
Great
4%
Average
6%
Poor
5%
Bad
13%
  • author
    Sue McLauchlan Faulkner
    2 days ago
    We added a new family member to our…

    We added a new family member to our policy today. I spoke with Sarah and she was efficient, helpful and very nice! I always recommend Embrace- we have had wonderful experiences with them.

    ...

  • author
    Angela Barber
    Jan 17, 2021
    One of the best pet insurances!

    Embrace has been very convenient, professional, and Punctual! I can’t say enough about their customer service! Very very pleased with embrace pet insurance and would recommend it to anyone.

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  • author
    MARILYN DAHL
    Jan 16, 2021
    Recently my dog required extensive…

    Recently my dog required extensive medial diagnosis and treatment resulting in many expensive medical bills. My claims were processed politely and efficiently. Embrace Pet Insurance reimbursed me to the full extend of their obligation. My opinion of Embrace is VERY favorable and I would recommend them without hesitation. They keep their promises. Thank you, Embrace!

    ...

  • author
    Linda Goe
    Jan 15, 2021
    Best Decision Ever - Insuring Our Dogs with Embrace!

    In the past, we didn't insure our dogs. This time, with encouragement from our breeder, we decided to insure both of our dogs. We were in complete shock when our younger girl, just 14 months old, became severely ill. After consulting with the emergency vet, I decided to call Embrace to explain what was going on and ask questions about our policy. The rep immediately opened a pre-cert to let me know where things stood. I was able to breathe a huge sigh of relief that the tough decisions we might have to make about our girl wouldn't be influenced by lack of money because our Embrace insurance was going to help us take care of her. Our girl is on the mend, though we still have a long road ahead of us, but Embrace has processed our claims in a timely manner to help us manage the financial burden of her care. I have nothing but praise for the customer service and quick turn-around time for claims processing! I'm so thankful we listened to our breeder's recommendation and insured our girls!

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  • author
    Lexiem Salvadore
    Jan 14, 2021
    Great customer service

    Great customer service

    ...

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