Embrace Pet Insurance

Embrace Pet Insurance

 3.6/5 (259 ratings)
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Embrace Pet Insurance

About Embrace Pet Insurance

Embrace Pet Insurance offers coverage for dogs and cats and reimburses pet owners for preventative veterinary care, grooming and behavioral training with no per-item limits. Embrace charges a monthly premium and helps cover expenses if your pet needs emergency medical attention or another service.

Overall Satisfaction Rating

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Pros

  • Use any vet
  • Offers vanishing deductible
  • Accident-only coverage

Cons

  • Not all policies available online
  • No zero-deductible options

Bottom Line

Embrace Pet Insurance reimburses dog and cat owners for the most common medical services and treatments. It covers accidents, illnesses and breed-specific conditions.

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Rated with 5 stars
Verified

My dog had surgery last month. The procedure was covered and Embrace was super easy to work with and efficient. My reimbursement was in my account just weeks after the surgery. Th...

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Rated with 5 stars
Verified

When your otherwise healthy 13-year old pup has a small lump, you need to know, what is it, has it spread, and what can we treat it? I was so happy I’d made the decision to have B...

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How does Embrace Pet Insurance work?

When you sign your pet up with Embrace, you can take them to any vet for the services they need. You are not required to use a vet within a specific network. Once your pet has been treated, you complete the claim form, submit it and are reimbursed for services and treatment covered under your plan.

There are different coverage levels to choose from, and you can downgrade or upgrade your policy at any time. When you insure your pet with Embrace, they are covered for life. Your coverage never drops based on your pet's age or health.

Cancer treatment, behavioral therapy and breed-specific conditions are covered, and the company reimburses you for vet exam fees. Dogs and cats under the age of 14 are eligible for full coverage, and pets older than this are eligible for accident-only coverage.

Embrace has a unique online resource that lists the most popular dog breeds and their most common breed-specific medical conditions. This can help pet owners choose the right coverage for their pets.

Embrace Wellness Rewards program

Embrace’s Wellness Rewards program, which can be added to your policy, reimburses you for preventative care. This includes wellness exams, microchipping, spaying/neutering, vaccinations and flea medication.

There are three annual allowance options for Wellness Rewards reimbursement:

  • $250 allowance per policy year
  • $450 allowance per policy year
  • $650 allowance per policy year

Embrace Pet Insurance coverage

Embrace is transparent about what policies do and do not cover. The company’s website lists the different coverage options and defines eligibility requirements and guidelines for preexisting conditions.

Accidents
Older pets can benefit from Embrace’s accident-only coverage plan. This plan covers your pet if it ingests a foreign object, is cut or is hit by a car. This plan reimburses you up to $5,000 each year. You’ll pay a $100 deductible once a year, and then you're reimbursed 90% of your veterinary bills when your pet experiences an accident.
Illnesses
Embrace covers every illness from nose to tail with no precondition limitations. This means if your pet is prone to breed-specific illnesses, medical treatment is covered under your plan.
Dental issues
Dental pain can be very uncomfortable and sometimes dangerous for pets. Dental work on animals can also be very expensive. Embrace covers dental treatment for periodontal disease, gingivitis, root canals, crowns, oral masses and extractions. Up to $1,000 in dental work is covered per year.
Cancer and chronic conditions
Cancer coverage is included in all plans and includes everything from the consultation testing and radiation to chemotherapy, surgery, hospitalization and rehabilitation. Cancer treatments are one of the most expensive medical treatments for pet owners, and chemotherapy can run $150 to $600 a dose. Cancer coverage means you can give your pet a fighting chance without worrying about how you’re going to afford it.

Embrace Pet Insurance also covers a wide range of treatments including:

  • Alternative therapies and rehabilitation
  • Behavioral therapy
  • Specialist care
  • Emergency veterinary care
  • Diagnostic testing
  • Hospitalization and surgery
  • Prescription drug coverage
  • Prosthetics and mobility devices

Conditions not covered

The list of what Embrace does not cover is shorter than the list of what it does cover. Basically, Embrace covers treatment and services that are crucial to the health and well-being of your pet, but not cosmetic services, breeding, whelping or preexisting conditions.

How much does Embrace Pet Insurance cost?

Dog insurance costs average around $30 to $40 per month, and cat insurance averages around $15 to $20 per month. Embrace has a one-time enrollment fee of $25 and a $1 monthly processing fee for those who pay monthly.

Embrace lets you customize your plan, so you can choose the deductible, the reimbursement percentage, any riders or optional coverage add-ons and annual maximums. You know your pet and your budget, and Embrace has coverage options to fit them both.

Embrace Pet Insurance FAQ

Is Embrace Pet Insurance good?

Yes. Pet lovers all over the country trust Embrace to help them cover unexpected medical bills for their pets. Embrace is a member of the North American Pet Health Insurance Association.

Does Embrace Pet Insurance cover vaccines?

Vaccines are covered by Embrace's Wellness Rewards program because receiving them is considered preventive or routine care, but routine care is not covered by the insurance policy itself.

Can I use Embrace Pet Insurance at every vet’s office?

Yes. Embrace does not use a network for vets. You can take your pet to any veterinarian, specialist or emergency hospital you like.

What’s not covered by Embrace Pet Insurance?

Embrace Pet Insurance does not cover cosmetic services, breeding, DNA testing or preexisting conditions.

Is Embrace Pet Insurance worth it?

Pet insurance is a service you hope you never have to use but are thankful to have it when you need it. Embrace Pet Insurance is a reputable company that makes pet ownership more affordable. Having insurance means you never have to deny your pet medical attention because of your finances.

Embrace Pet Insurance Reviews

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How do I know I can trust these reviews about Embrace Pet Insurance?
  • 4,191,395 reviews on ConsumerAffairs are verified.
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Page 1 Reviews 0 - 5
Rated with 5 stars
Verified Reviewer
Original review: Jan. 25, 2023

I’ve had Embrace for 13 years now. Embrace is easy to work with, and pretty transparent. Something to be aware of, you should get preapproval on surgeries. You just never know, as some items may not covered. Also prescriptions for home are not covered unless you add to your policy (few dollars extra). All in all, it’s a good insurance. Surgery for my dog was $12,500, not to mention the previous visits. I was really glad to have embrace, as together they covered the $10,000 after my yearly $500 copay. I wish they would cover more as I ended up out of pocket after that as well.

The policy goes up in cost every year, and for my 13 year old dog, I was paying $105 a month so that is something you need to keep in mind as well. Yes, I will totally recommend embrace, and I still have them for one of my dog. The process is pretty quick. If you have the app you just download your documents and then you have a few days to a week to wait on your reimbursement. Reimbursement is made via check or direct deposit in your account. Thank you Embrace for being there when I unfortunately needed you!

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    Customer increased Rating by 1 stars!
    Verified Reviewer Verified Buyer
    Resolution response: Sept. 6, 2022

    Embrace Representative explained to me that, ‘they are unable to provide coverage for pre-existing conditions, defined as anything diagnosed or symptoms prior to starting the policy and through the initial waiting periods.’ I understand now those months in waiting was for clarification of pre-existing conditions. After the pre-existing conditions was clear, all the claims afterwards going very smoothly and quickly. I’m appreciated the 90% pay back as stated in the policy. I would recommend Embrace Pet Insurance to my friends and neighbors. My dog’s veterinarians also recommend Embrace to other clients.

    Original review: Sept. 4, 2022

    I purchased pet insurance for my 8 years old large dog since January 07, 2022. The waiting period for illness cover is 2 weeks, equals to January 21, 2022. 01/19/2022, my dog got a mass under his right front paws and it was hurting him badly. I brought him to the Veterans for surgery, that day cost $714. Because of it was within the waiting period, so this cost was not covered. 2/23/2022 and 3/9/2022, I brought my dog to checking up, the veterans did digital radiographs, exams and medicine, discovered my dog had heart failure, these 2 bills were $347 and $357, and they were applied to policy deductible of $750, so I didn’t receive any reimbursement either. Start the claim of 3/29/2022 of $70, after applied to the remain deductible, I received a check of $10. Since the deductible was fully applied, all the claims after 3/29/2022 are reimbursement 90% to me.

    It is very nice to see the 90% of expenses coming back! But the process to start receiving reimbursement took 3 to 4 months. My dog was serious sick, in the waiting for approval, I had to pay out from my own pocket for over $1000. I was going a hard time to keep brought him to veterans, bought his medication, or decided to put him down. My dog was a warrior dog, he had chased out thefts, caught snakes and other harmful animals in the back yard. It was tearing our hearts to make a decision to pay for his treatment or let him go. I’m glad we went through the hard time and now he is getting well and we received payment back. I wish we didn’t have to wait this long for the approval to go through.

    Embrace Pet Insurance has great customer service representative, every time I called, they answered my questions clearly and explained things in detail. If you consider to buy pet insurance, maybe you should choose the lowest deductible as possible, and bring the pet to the veterans after the waiting period. When in time of need, $750 is a lot. I’m appreciated the reimbursement I have received now, it is way over the premium I pay for the year.

    Embrace Pet Insurance response

    Hello Lang,

    Unfortunately, we are unable to provide coverage for pre-existing conditions, defined as anything diagnosed or symptomatic prior to starting the policy and through the initial waiting periods. But we're glad to hear the processing for the other eligible claims went smoothly and we appreciate you taking the time to share that feedback!

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    Rated with 4 stars
    Verified Reviewer
    Original review: Sept. 2, 2022

    It's refreshing not to have to wait for customer service to answer a call. The customer service rep was gracious, understanding & had the change I needed to make completed immediately. I'm very satisfied with the service I received during this call! However, overall their policy is complex for an older pet. My complaint with Embrace is understanding and/or remembering what's required when you make a claim & how long they take to process a claim. (Yes, you can read the lengthy policy but you'd have to do that every time.)

    For example, I provide the documentation required but then they request the complete medical record of the pet from the veterinarian. If they're going to do that then I shouldn't have to submit anything but the pet's name & the invoice or remember what is or isn't covered. Filling out the form is time consuming & rendered redundant since they're going to request the complete medical record anyway. They must be trying to find out if your claim can be declared part of an existing condition. In that respect, they're just like any other health insurance company (people or pets).

    Embrace Pet Insurance response

    Hello Kathi,

    Thank you for taking the time to share that feedback! If you have any questions or would like further clarification in regard to the claims submission process, please feel free to send an email to askclaims@embracepetinsurance.com or give us a call at 800-511-9172 and a representative will be happy to go over it with you!

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: March 16, 2022

    I research and compared every pet insurance company there is and finally decided on Embrace because it seemed the most trustworthy and inclusive. I didn't expect to need it but after my cat of 15 years suffered horribly and died from cancer I promised myself I would get insurance for any pet going forward. Well, Embrace has been a lifesaver with my kitty who ended up having a rare bone disease in a location that causes tremendous complications. We're still working through it but if it weren't for Embrace, I'd be in major debt, probably divorced and would have likely lost everything including my little love, who is full of life, despite his condition.

    Embrace makes it easy to submit claims and I would recommend to anyone with a pet. You may think your pet is healthy but one day they may need care and it's worth every penny for peace of mind. You never have to question or worry taking your pet to the vet with insurance. I'm grateful every day for making the decision to get insurance.

    Embrace Pet Insurance response

    Hello Alexa,

    We're glad to hear the policy has been there to help during your time of need and we sincerely appreciate you taking the time to leave that feedback. Sending well wishes to you and your cat during this difficult time!

    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 28, 2022

    I applied to pet insurance in 09/2021 after I had a pet who got seriously ill and passed away after 6 days in the hospital, and we had to come to come out of pocket for it. I never wanted to put my family in that position again, so when I received an email about Embrace through USAA, I didn’t hesitate to sign up my current pets. It gave me peace of mind that if something like this were to ever happen again, that we could financially support it with the help of Embrace.

    Well, unbeknownst to me, we would end up having another emergency situation 5 months later when our current dog got sick out of nowhere. He had just had a biannual check up a month or two before and everything was great, so it was quite a shock we were going through this again and so soon. I was terrified of losing another dog as I’m still grieving the first loss, but I knew I could give this dog a fighting chance and not worry about the cost as much as we were with the first. Luckily, after only a day and a half in the emergency room, my current pet turned a corner and so he was sent home with lots of meds and an order to get a check up by our current vet in the following days. He is now back to normal, and for that we are grateful.

    When it came time to submit everything to Embrace, the upload process was extremely easy. The process claim was relatively fast, and they stayed in communication with me about how to speed up the process. Everyone I talked to on the phone was extremely nice, and even listened to me when I cried talking about my former pet. Even though we had some issues with the first reimbursement and our vet had to write an appeal, everything was eventually resolved and I could not be happier! Thanks Embrace!

    Embrace Pet Insurance response

    Hello April,

    I am so very sorry for your loss. Our goal is always to reimburse claims as quickly as possible and for the claims submission process to be user-friendly, as we know how stressful it can be when one of our fur babies are sick or hurt. We are happy to hear you had a positive experience and the issues were resolved. We're also happy to hear that your dog is back to normal and feeling better! We sincerely appreciate you taking the time to provide that feedback.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 1, 2023

    I did a lot of research on pet insurances and Embrace rose to the top. I signed up and true to the reviews they excepted my claims and I was completely satisfied until my renewal on the second year. I was shocked and certain that a mistake was made. My monthly bill went from $66 a month to $98 a month. Please note that I put in claims that did NOT exceed my deductible last year. They did not reimburse me any money so it's not as if my pup has any issues. When I called they said renewals can jump 25-35 percent a year as an industry standard. When I pointed out they well exceeded that number they said there was nothing they could do. It was not based on claims. Just the age of the dog and policy age. She is only 7 years old and has many years before major issues occur. I supplied a medical history when I signed up showing she had been a healthy dog. I feel scammed by Embrace and now have to start this process all over.

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    Rated with 5 stars
    Verified Reviewer Verified Buyer
    Original review: Feb. 1, 2023

    I found that it was very simple to upload my vet invoice with my claim and I was very quickly reimbursed for the qualifying amount. I would definitely recommend this insurance company to a friend. Great service and a great response time!

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    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 1, 2023

    Embrace representatives pushed and pushed for me to get a ligament and joint review for my dog within the first six months of the policy. We did because it was explained as being helpful for us. The only thing noted was mild crepitus, meaning her knees pop occasionally when tested. Fast forward two years, we have never missed a payment and never had a claim outside of wellness which is a separate policy anyway. My dog has a ruptured ACL. Since her knees mildly popped two years ago, they are refusing to even cover the initial visit which identified it, much less the surgery she now needs. They have very unethical business practices. They only care about the bottom line and not the clients or the animals.

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    Rated with 3 stars
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    Verified Reviewer
    Original review: Jan. 29, 2023

    The gentleman who I spoke with that signed Zappa up with insurance was great. The reason Embrace received a 3 star rating is because of how long it's taking to get my claim complete. I wish Embrace was a bit quicker at finishing up my claim so that I can get paid.

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    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 23, 2023

    This company gives you the runaround to avoid paying claims. My 9 month old puppy had a upper respiratory infection. I took him to the vet and the charge was $125. I submitted a claim but I keep being told they don't have all of my dogs medical records even after I uploaded everything multiple times. They then contacted my vet and got what they needed but after a week they decided they still needed more. After getting that they decided they needed records from the vet that completed his Neutering appt. It's ridiculous. That vet doesn't even have any records other than what was from the Neutering appt. Anyway even after getting this they still haven't paid the claim. It's been over 2 months... I would not recommend this company to anyone.

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    Embrace Pet Insurance Company Information

    Company Name:
    Embrace Pet Insurance
    Year Founded:
    2003
    Address:
    4530 Richmond Road
    City:
    Cleveland
    State/Province:
    OH
    Postal Code:
    44128
    Country:
    United States
    Website:
    www.embracepetinsurance.com