Reviews On Embrace Pet Insurance

Embrace Pet Insurance Background

After selling its first pet policy in 2006, Embrace partnered with American Modern Insurance Group, Inc., a group of licensed insurers that underwrites policies for Embrace, to make coverage more readily available to customers.

Some highlights include:

• Helpful mobile app for Android and iOS
• 24/7 vet health line
• Website chat for customer service
• Donates $2 to charity for every policy sold
• Launched charitable project in 2020 that raised more than $200,000

Who Is Embrace Pet Insurance For

We debated the need for pet health insurance in the past and whether or not its worth buying. My last dog cost me a fortune with vet bills, so I am a little biased here. I would say if youre confident that your pet wont have any issues, you may not need Embrace.

Now, those who will benefit most from Embrace Pet Insurance are those buying purebred dogs who are prone to medical issues. Good examples are German Shepherds or Siberian Huskies, which are known to have hip dysplasia issues, or Irish Wolfhounds, which have short life spans and a ton of medical issues .

If youre dealing with any of those breeds, I would look into Embrace Pet Insurance. And like any other insurance, it might just be good to have so you feel secure and protected against the unknown.

Summary Of Moneys Embrace Pet Insurance Review

Pet ownership can be expensive, especially if you have to deal with an injury or illness. But Embraces premiums are easier on the wallet than most pet insurers, having been consistently low in our survey for cats and dogs.

Embrace could also be an especially good choice if youre looking for pet insurance for a senior pet or have multiple pets. It offers accident and illness coverage for pets up to 14 and accident-only insurance for pets 15 and over, which are major advantages for those who own older animals.

However, Embrace is limited in the animals it will insure. In the event you want to insure an exotic pet, including the likes of lizards and birds, youll need to look elsewhere.

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Embrace Pet Insurance: Cost & Coverage

Embrace is a member of the North American Pet Health Insurance Association and partners with other organizations, including USAA, to provide pet insurance.

Embrace Pet Insurance provides flexibility for dog and cat owners looking to secure coverage, as you can choose between accident and illness or accident-only policies and add wellness rewards to get your routine care covered, too.

Embrace aims to treat pets with pre-existing conditions fairly and rewards healthy pets with a $50 deductible savings each year you dont make a claim.

All of this, combined with top ratings from customers and the Better Business Bureau, makes Embrace a solid choice for those looking to make sure their furry family members health needs are met.

Is Pet Insurance Worth It For An Indoor Cat

So worth it! Pumpkin Pet Insurance plans can help cover the costs of veterinary care when your cat gets sick or hurt throughout their life. While an indoor lifestyle may help your cat avoid certain illnesses or accidents there are several others that it cant.

From chronic conditions like diabetes to hereditary conditions like polycystic kidney disease, there are plenty of illnesses that your cat can develop regardless of whether theyre indoor or outdoor. Not to mention, having a cat with an indoor lifestyle wont prevent them from jumping off the fridge and breaking a bone, snacking on a houseplant, or swallowing a ball of yarn when youre not home. Accidents can happen to cats of all lifestyles. The best way to protect your indoor cat is to get them covered by insurance.

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Embrace Canceled My Account For Me When

Embrace canceled my account for me when my dog was euthanized, so there was no record of what bank account the insurance payout was sent to. I wish they had saved that information. They said they sent the money, but I didnt receive it and when I called to inquire about it they couldnt tell me where they sent it to. They put in a search for it and told me they would contact me to tell me what they found out. They never called me. I was forced to contact my ex-husband to ask him if the money had been deposited in his account, which it had and that was fine. I just wish they had included the last few digits of the bank account in the email saying they had sent the money and/or not erased all information about my account before one of us had received the payout.

Date of experience:October 12, 2022

Reply from Embrace Pet Insurance

Hello Elizabeth,I am sorry for any issues you experienced with your claim reimbursement! A representative did reach out via email on 11/10/22 to let you know the account number the claim reimbursements were sent to. If you have any additional questions or concerns, please give us a call at 800-511-9172 and we’re happy to help!

Reviews From Embrace Pet Insurance Customers

“I have had Embrace for my dog Riley for the last 9 years. I think I may have only had 1 or 2 claims during those 9 years. This year she got very, very ill. We spent thousands and thousands of dollars getting her healthy again and Embrace was great to work with. They accepted all the paperwork from our vet and we had a reimbursement check in hand before her stitches have healed. I feel so fortunate knowing we have Embrace for our pets.”

“I purchased pet insurance as many of my friends have experienced illness and accidents without. After research, Embrace was clearly the best choice. I recently got my pup spayed, submitted the claim the same day and just heard back that everything was covered under the wellness add on. Thatâs less than a week! A direct deposit will be given within 2 days. How great!”

“So glad I joined a few years ago. Fast, fair, amazingly simple to use and valuable service!”

“Embrace Insurance was the best decision I made when our latest rescue kitty came into our lives in 2015. My vet submits the claim forms, and the money from Embrace is in my account quickly. I loved that they pay for acupuncture and holistic treatments just as conventional. I am able to get the blood work and acupuncture done to help Malee with her seasonal and environmental allergies. Thanks, Embrace, for helping me to help my precious Malee.”

“I continue to be impressed with the way this company does business. Transparent, prompt, honest and no surprises.”

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Youre Our First Priorityevery Time

We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.

What Is The Difference Between Embraces Plans

The scope of coverage is the same for the core Embrace plan, regardless of your premium. Your dog is covered for treatment and care related to accidents, illnesses, and breed-specific conditions.

The big price difference in the premiums comes from differences in the annual limits, deductibles, and the percentage youll be reimbursed.

Less expensive premiums typically result from choosing lower annual limits, higher deductibles, and lower reimbursement levels. Request a quote and you can play around with the different annual limits, deductibles, and reimbursement levels to see which one results in a premium and coverage level that works best for you.

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Is Embrace A Better Value Than Other Pet Insurance Plans

Lets say your vet bill is $1,000 and you have a $200 deductible and a 20 percent co-pay. Companies that apply the co-pay first would charge you 20 percent of $1,000, or $200, and then they would apply your deductible to the remainder.

Embrace applies your annual deductible first to reduce the $1,000 to $800. It would then apply your co-pay, which would now be 20 percent of $800, or $160. Right off the bat, you have saved $40 on this bill alone since your co-pay was $160 instead of $200.

Embraces discounts can save you even more money, and you can investigate these options when you request a quote.

You can see how Embrace fares to the other pet insurance companies that we reviewed by taking a look at our pet comparison chart.

What Is Embrace Pet Insurance

Embrace Pet Insurance is an insurance provider specifically for pets. Their personalized policies protect you against astronomical vet bills for your pet while offering while also offering an optional wellness product, compassionate customer care, timely claims processing , as well as 24/7 policy management .

The company was actually founded in mid-2003 when they won a competition at Wharton School of Business for their idea to start a pet insurance company. By 2006, Embrace had sold its first policy. Fast forward to today and Embrace has won the NorthCoast 99 Award eight times, been named one of Northeast Ohios Top Workplaces by The Plain Dealer five times, and was recently awarded the 2019 International Service Excellence Award Service Champion Award.

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How Much Does Pet Insurance Cost

You can expect to pay $20-$100 per month for standard dog insurance and $10-$75 per month for cat insurance. Add-on coverage packages can be an additional $10-$50 per month.

The cost of pet insurance varies based on several different factors. Your petâs breed, age, and health status play an important role in determining the base cost of pet insurance.

In addition, the level of coverage you want and your planâs deductible will impact the cost. Plans with a lower deductible, a higher reimbursement rate, or a higher annual maximum typically cost more. Many providers let you customize your plan and see how your premium will change for different levels of coverage.

Some pet insurance providers offer a 10%- 20% discount if you purchase policies for multiple pets. Be sure to compare pet insurance prices from different providers before signing up for a policy.

Embrace Pet Insurance Reviews Bbb

My dogs have been insured for over a decade. Before Embrace, I used another provider, but they didnt offer the same level of options. The experience with Embrace has been satisfactory, especially these past two years as my dogs get older. Problems started manifesting, and we are more frequently at the vet. A few months back, my Doberman injured its knee. Orthopedic surgery was the only option to improve its mobility, but the price tag scared me. I consulted with Embrace, and they approved my claim. In my experience, the policy had paid for itself. David A, Arlington

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When Should You Buy Pet Insurance

Purchasing insurance when your pet is young costs less than buying a policy for an older pet. It also ensures that you will be covered for medical issues that arise later in a pets life. Its the best way to make sure you can keep your vet bills cheap. If you wait until your pet becomes sick or injured, you will not be eligible to buy insurance and will have to pay the vet bills out of pocket.

Is Pet Insurance Worth It

Financial challenges happen, and that’s the very reason pet insurance is worth it if you can find a way to fit the premiums into your budget. It’s easier to find a small amount each month than thousands of dollars at once in an emergency. If youâre the type of person who would do anything to save your pet, itâs better to pay a small premium for even a basic policy to help get your pet the care they need.

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Enrollment And Waiting Period

Embraces waiting periods are 14 days for illnesses and 2 days for accidents in all states.

You can enroll your puppy or kitten at six weeks old with 14 years being the oldest age to enroll.

Orthopedic conditions have a 6 month waiting period but there is an option to reduce this wait to only 2 weeks.

Embrace requires that you take your pet for a visit within the 12 months prior to enrolling or a visit within the 14 day waiting period.

Embrace will automatically renew your policy unless you notify them via e-mail or phone that you wish to make changes or cancel your policy. If you need to change or modify your plan, email or call them 2 to 4 weeks before the renewal date.

Embrace Pet Insurance Coverage Options

Embrace Pet Insurance gives customers a high ceiling and low floor with how much coverage they want. You can choose your annual deductible, how much reimbursement you want per visit, and an annual maximum for how much Embrace Pet Insurance can give you each year.

The balance with these is that Embrace Pet Insurance will give youback more if you invest more. For example, a customer with a higher annual deductible, a higher annual maximum, and a higher reimbursement percentage will pay less to the vet than someone with a low deductible, low maximum, and lower reimbursement percentage.

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Immediate Coverage For Your Best Friends

Fund.com

570,000+ pets trust Healthy Paws

• No caps on claim payouts – annual, lifetime, or per claim
• Over 900 5-Star customer reviews on Google
• #1 Rated By US News World Report
• Visit any US licensed veterinarian or emergency clinic

570,000+ pets trust Healthy Paws

Americas top-rated pet insurance

from $10/mo

• Huge savings on tests, vaccines, and essential care
• Coverage for preventative care, diagnostics, tests, and procedures
• Multiple pets? Enjoy additional discounts
• Quick claims, fast reimbursements

Americas top-rated pet insurance

from $10/mo

Voted Best for Comprehensive Coverage

• Get 90% cash back on covered vet bills
• Always a 14 day waiting period
• No breed or upper age restrictions
• Plans cover dental illness and behavioral issues

Voted Best for Comprehensive Coverage

• Coverage for accidents, illnesses & hereditary conditions
• Visit Any Licensed Vet, Emergency Clinic or Specialist
• Get Free Pet Insurance Quote in 30 Seconds

Affordable pet insurance

• Plans starting at just $29/mo
• Take your pet to any licensed vet, emergency clinic or specialist in the US
• Coverage for pets of any age and breed

Reimbursement for up to

570,000+ pets trust Healthy Paws

• No caps on claim payouts – annual, lifetime, or per claim
• Over 900 5-Star customer reviews on Google
• #1 Rated By US News World Report
• Visit any US licensed veterinarian or emergency clinic

570,000+ pets trust Healthy Paws

What Doesn’t It Cover

There are a few costs that Embrace Pet Insurance doesnt cover. Most routine vet care isnt covered by an Embrace insurance plan . Additionally, breeding or pregnancy costs and cosmetic procedures aren’t eligible for coverage. A few other edge cases arent covered by Embrace, but they are few and far between.The real concern for most pet owners will be how Embrace defines pre-existing conditions, which it doesnt cover. Any condition that is discovered before the end of a 14-day waiting period is considered a pre-existing condition, even if your pet has never received treatment related to it. And the waiting period could actually be 6 months for orthopedic conditions in dogs without the completion of their orthopedic waiver.

This can include problems associated with a dogs behavior. For example, a dog that eats rocks couldnt have a rock removal surgery until it stops eating rocks for at least 12 months. And pre-existing conditions that have been defined as having a “temporary exclusion” can only become eligible for coverage again after 12 months of being symptom-free.

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Consider All Your Pet Insurance Options

Embrace has a solid reputation and stands out for its thorough coverage, which includes curable pre-existing conditions , as well as behavioral therapy and alternative/holistic therapy. And your deductible automatically goes down $50 each year you dont receive a claim payment. However, Embrace has upper-age enrollment limits for plans covering illnesses and can be more expensive than some competitors.

Premiums can vary widely with Embrace, so its important to consider several different providers and get multiple quotes. Weve reviewed more than two dozen companies and have chosen the best pet insurance companies based on coverage, customer service reputation, claims processing, policy price, plan customizations, and more in our pet insurance reviews.

Alternative Therapies & Rehabilitation

Believe it or not, you can get coverage for alternative therapies and rehabilitation, which includes things such as acupuncture, chiropractic, hydrotherapy, physiotherapy, and therapeutic laser treatment. To reiterate, yes acupuncture for your dog is included.

Embrace covers alternative therapies for 12 weeks following a covered injury or illness. In some states, there is no time limit. Please contact Embrace Pet Insurance for details specific to your state.

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