Helping you experience better pet coverage with personalized plans and diminishing deductibles.
Embrace Pet Insurance is a pet insurance provider that strives to partner with pet owners in the care and nourishment of their animals. When you sign up with Embrace, the company believes that you’re not just a policyholder but also a member of a close-knit family. In this Embrace Pet Insurance review, you’ll learn how that mindset influences several key aspects of the business.
In this review, you’ll have a chance to learn more about the plans, coverage options, and characteristics that make Embrace unique. You’ll also get a glimpse at pros and cons, customer testimonials, and the steps required to apply.
Although deciding on insurance options of any kind can be tricky, we’re sharing some of the most important characteristics to help you make the best choices possible.
Embrace Pet Insurance got its start in 2003, when it won the Wharton Business Plan Competition. What began as a simple concept for pet insurance began to grow and evolve into a well-rounded, fully functional company dedicated to pets and their owners.
As a company, Embrace has several core values that not only make it a fantastic option for pet insurance, but have also earned it several awards for maintaining a healthy workplace environment. These values include transparency, generosity, innovation, passion, and customer support.
Pet insurance policies through Embrace are backed by the American Modern Insurance Group. Embrace is also licensed to operate in all 50 states and Washington D.C.. Additionally, each Pet Insurance Advisor has the necessary casualty and property licenses to help answer your questions about enrolling your pet.
Embrace Pet Insurance works by offering “nose to tail” coverage for animals. With separate policies for dogs and cats, you can be sure that you’re getting exactly what you need based on your animal’s breed, age, and overall health.
Although Embrace offers many personalization options, you can count on the following types of coverage no matter what you choose:
There are also some exclusions with Embrace, including routine examinations, cosmetic procedures, breeding costs, and more. Embrace Pet Insurance aims to be transparent to avoid any surprises when you file a claim.
No matter where you live within the United States, you are eligible to use Embrace. The company is licensed to sell policies in all 50 states and Washington D.C.. You can learn more about licensure here.
One important thing to note about Embrace is that they only offer one type of policy. The goal of this is to offer simplicity to policyholders. If you’re looking for something more tailored, you do have the ability to customize coverage options based on the needs of your pet and what you want to spend.
If you’re looking to compare the cost of Embrace with other plans, you can do so by looking at a list of relevant features. This comparison chart makes it easy to see how Embrace stacks up to competitors.
Unfortunately, to get a specific dollar amount for your personal pet insurance, you’ll need to apply for a quote. The sample policy terms provided here may be helpful for determining a baseline.
Embrace offers an optional plan called Wellness Rewards to help cover the costs of routine care. According to Embrace, this option is “not an insurance policy, but works as a budgeting tool and rewards you for being proactive with your pet’s care.” You can use Wellness Rewards to cover the following services:
Wellness Rewards appear as a separate charge for the normal insurance premium. There are different coverage amounts, and owners are encouraged to only take out what they will spend in a calendar year. The amount is meant to be paid in full over the 12-month policy plan.
Although Embrace Pet Insurance offers one streamlined plan, you should always know what is included under your insurance coverage. View the lists below to see important notes on covered fees and exclusions that may not be eligible for reimbursement.
Embrace pet insurance covers:
A waiting period is the time period between when an insurance policy is purchased and when it is eligible for use. Many pet insurance companies have waiting periods upon enrollment. With Embrace, you can expect the following:
Claims submitted during the waiting period will not be covered by the insurance policy and are therefore not eligible for reimbursement.
Embrace Pet Insurance should be contacted for a complete list of exclusions.
Every insurance company has benefits and downsides. Some qualities may appeal to certain pet owners, while others can have different or unique expectations. Here are some pros and cons we found while researching Embrace Pet Insurance
Embrace Pet Health Insurance offers the following discounts.
Embrace maintains a strong A+ rating from the Better Business Bureau. Here are what real customers have to say about using Embrace on the popular consumer site, Trustpilot.
“Amazing customer service, fast claim processing times, and fair monthly costs for the different plans. For as long as my dog lives, we will always have Embrace.” –Trustpilot review, March 2020
_“I have had Embrace Insurance for my sweet dog for many years and I can't recommend them highly enough! They are wonderful to deal with over the phone and they always handle claims quickly. My pup recently became very ill and had to be admitted to a hospital. She was discharged on very expensive treatments and medications. If I didn't have insurance, it would have been an even more stressful experience!” – Carol, reviewer from October 2019 _
Applying for Embrace Pet Health Insurance starts by getting a free quote. This is common on many pet health insurance websites.
Submitting a claim with Embrace is fairly straightforward once you have a MyEmbrace account set up. All you need to do is log in and provide the necessary documentation. Here are a few reminders when filing a claim:
The easiest way to check the status of your claim is to access your MyEmbrace account or to view updates via email and through the mobile app. You can also reach out the company’s claims team via email. As a member, you can easily view all claims by date of submission and download copies of your EOB (explanation of benefits).
Address: PO Box 22188 Beachwood, OH 44122-0188
Call center: (800) 511-9172
Customer Care Hours: Mon-Fri 8:30 am-8 pm ET Sat 9 am-1 pm ET
Fax: (800) 238-1042
Email: In lieu of email, submit the contact form located here.
For complete contact information, visit the company’s Contact Us page.
At this time, Embrace only offers one accident and illness policy and an Optional non-insurance Wellness Rewards Plan for dogs and cats. As a whole, the company is dedicated to educating pet owners while meeting their insurance policy needs. However, the only products available for purchase are pet health insurance policies.
In this Embrace Insurance Review, you’ve learned why this particular insurance company is a favored option among many dog and cat owners in the United States. With a broad range of personalized coverage options to help support you in caring for your pet, Embrace provides peace of mind when you have large vet bills to cover.
Embrace makes an effort to do more than just offer pet health insurance policies. With attentive customer support and helpful resources, the company and its staff are focused on creating a strong community for pet owners. As a highly-rated, award-winning option, you won’t want to miss what Embrace has to offer!
Embrace full disclaimer:
Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting, review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Wellness rewards are offered as a supplementary benefit to the pet health insurance policy and are not an insurance product. Wellness rewards are offered and administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.
** Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is a reimbursement plan designed to be paid in full over a 12-month policy term. If there is a remaining balance in your Wellness Rewards allowance at the end of the year, it does not roll over and is non‑refundable. Not available in Rhode Island.
Fortunately, Embrace is licensed to sell insurance in all 50 states in the United States. This includes Alaska, Hawaii, and Washington D.C. You can locate confirmation and licensing numbers on the licensing page.
Embrace is one of the few pet insurance companies that distinguishes between curable and incurable pre-existing conditions. Curable conditions are covered after 12 months of your pet remaining symptom and treatment free. Since most companies have a no tolerance policy for pre-existing conditions, this may be beneficial to many pet owners.
Embrace offers a user-friendly mobile app that you can download in the Apple Store or through Google Play. The mobile app allows you to complete important actions such as checking your policy details, submitting claims, and looking for updates. Download the app today for easier access to your online account!
Besides offering insurance, Embrace is committed to the wellbeing of pets and animals. In 2019, the company partnered with PawSupport to give policyholders access to a 24/7 pet helpline. Owners can utilize this resource when they have concerns over their pet’s behavior, health, diet, or wellness.
With Embrace insurance coverage, many alternative therapies are covered. These range from acupuncture, chiropractic care, physiotherapy, laser treatments, and more. Contact Customer Care if you have specific questions about an alternative therapy before you decide to pursue it as a treatment for your pet.