Embrace Insurance Review

Embrace has long been known as one of the top pet insurance providers in the USA, and their consistent 5-star ratings, as well as their A+ status with the BBB, highlights how popular they truly are. Providing high-quality insurance at an affordable monthly price, Embrace stands out from their competitors with their personalized coverage options, lifelong protection, and commitment to ensuring your dog or cat gets the medical help they need, when they need it most.

Going above and beyond for your pet, Embrace has designed policies that work for you. Packed with coverage for a wide range of accidents and illnesses, each plan will allow you to seek out care from a trusted vet clinic of your choosing. In addition to their well-rounded policies, Embrace also offers additional perks and benefits, such as their 24/7 PawSupport Health Line which provide pet parents with real-time guidance. From emergency moments to questions about diet or training, the PawSupport Health Line is there to give you peace of mind and reduce the number of unnecessary vet visits you make. 

Embrace is a modern solution to a common problem, and their digital portal provides pet parents with more control than ever before. No more endless phone calls or waiting on hold, everything can be accessed digitally so you can review your policy, monitor your claims, and speak to an expert when necessary. This streamlined and simple approach to pet insurance guarantees a better experience for owners, and includes award-winning customer service that makes dealing with Embrace enjoyable and stress-free.

Embrace is a popular choice among pet parents because they offer some of the most comprehensive coverage available. Instead of a long list of exclusions, Embrace provides detailed inclusions and only has a small number of incidents they exclude. For you, this means you will see more approved claims and higher reimbursements, and unlike some other providers, you won't have to pay out of pocket for exam fees, prescriptions, or on-going care.

In addition to the standard coverage seen by most providers, Embrace goes above and beyond and also includes coverage for things that are typically excluded. For example, pre-existing conditions are always listed as a policy exclusion, but Embrace understands that there is a difference between curable and incurable. Reviewing only the last 12 months of your pet’s medical history, if your pet has been treatment and symptom-free at least one year, Embrace may consider that condition eligible for future coverage.

Embrace is committed to making their policies as personalized as possible, which is why they offer pet parents a wide range of options to choose from. Deductibles, annual limits, and even copay percentages can all be customized, allowing you to create a policy that fits your needs and your budget.

While some providers only offer a few choices for each, Embrace has expanded their benefits so you get a tailor-made plan that’s perfect for you. Starting with the annual limit, owners can choose anywhere from $5,000 up to unlimited, giving you ample room to receive all the care you need each year. Likewise, the annual deductibles are set anywhere from $200 to $1,000 a year, so you can decide what’s most affordable for your budget.

In terms of reimbursement percentages, Embrace offers you a choice between 70%, 80%, or 90%. The most popular choice is their middle-of-the-road 80% option as it balances both long-term savings with short-term deductions on your premiums. However, if you are unsure which amount works best for you, the free quote calculator will allow you to play around with all of the various options so you can see what your monthly premiums would be based on the choices you make.

Getting reimbursed with Embrace is simple and they have created a modern platform that allows you to complete the entire process online. From submission to completion, you can virtually track the progress of every claim and stay up to date with what’s going on. 

After receiving your invoice from the vet all you need to do is snap a quick picture of it and upload it to your MyEmbrace account. There is no claim form to fill out, nothing to be faxed, and you don’t need your vet to submit anything on your behalf. Taking only a few minutes to complete, this hassle-free process is the ideal way to deal with any and all claims, and is part of what makes Embrace stand out from competitors.

Following submission, claims are typically processed in as little as 10 to 15 business days, and then paid out immediately afterwards. Your reimbursement can be deposited directly into your bank account, or if you prefer, via check. Either way, filing a claim and receiving your money is extremely straightforward and customers love how easy the process truly is.

Pet insurance is a very individualized service and when it comes to cost the amount can differ from person to person, pet to pet. Where you live, what type of pet you have, their breed, age, and size can all impact your premiums, as can the customizations you select. Because of all these variables, Embrace offers new customers a free quote before enrollment, so you can enjoy an accurate price based on your needs.

To take advantage of the free quote all you need to do is visit the Embrace website. There you will be asked some simple questions about your pet so that the calculator can determine your base pricing. Following that, you will be able to pick and choose the annual limit, yearly deductible, and reimbursement percentage you want, as well as add-on an optional wellness package. For each decision you make, your quote will update alongside it and you can accurately see what your final cost will be as you go.

Embrace does offer additional discounts for those with multiple pets, so enrolling all your cats and dogs at once will save you money. A 10% multi-pet discount will be applied at the time of enrollment, helping to make these budget-friendly plans even more affordable.

Once you have completed the free quote process you will be able to continue with enrollment if you so choose. The quote you are provided will be the final total of your monthly premiums, and you will also enjoy lifetime coverage without interruption as your pet ages. 

Following enrollment there is a waiting period that must be satisfied before you can begin making claims, which is 2 days for accidents and 14 days for illnesses. In addition, there is also a 6 month waiting period for orthopedic coverage, although Embrace does offer you the ability to have this reduced to 14 days should you take your pet in for an orthopedic exam.

After your waiting periods have elapsed your coverage will start. If an accident or illness occurs you can visit any licensed vet. You will also have access to Embrace’s 24/7 PawSupport Health Line which is there to provide real-time answers to any questions you may have. From health to diet, training to raising, the Health Line can help you cut down on unnecessary vet visits and alleviate any worries you may have as a pet parent.

In addition to their accident and illness policies, Embrace does offer pet parents optional wellness coverage. This flexible, supplementary coverage reimburses you for routine care that would otherwise be considered an out-of-pocket expense. With annual limits ranging from $250 up to $650, you will receive 100% reimbursement  up to your chosen allotment amount for things such as:

A great pet insurance policy helps to save countless money across your pet’s lifetime. From accidents to illnesses, wellness and more, your plan will allow you to take your pet for necessary treatment whenever they require it. Thanks to Embrace, you get access to more coverage than ever before, with well-rounded and comprehensive policies that protect your pet throughout their life. Eliminating unnecessary exclusions and providing enhanced customizability, Embrace offers top-notch pet insurance that can’t be beat.

To learn more about Embrace, or to take advantage of their free quote offer, you can visit their website today. There you will be able to create and customize the perfect plan for you, and learn more about the perks and benefits offered to customers. Don’t leave your pet, or your wallet, vulnerable, and instead protect yourself with a plan from Embrace Pet Insurance.

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 is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2021 American Modern Insurance Group, Inc.