We like Embrace’s “Healthy Pet Discount Program” because it’s a unique way to save on your accident and illness insurance policy. If your claim payments are less than $300 per pet in the year prior to the discount period, you’ll be eligible for a 5% discount in the first year and a 10% discount per pet in the second year. Embrace will automatically calculate the savings on your annual payment or monthly bill. Embrace offers a wide range of customizable options, such as different annual coverage maximums and deductibles. It also offers a special accident plan for pet owners on a budget.

It includes behavioral therapy and alternative therapies like hydrotherapy, chiropractic, and acupuncture. Embrace includes stem cell treatments for conditions like tendon injuries. Embrace’s insurance policies also provide financial assistance for end-of-life expenses. Customers can also access a 24/7 pet health line, which can be helpful for late-night vet visits.

According to our review, Embrace’s average price for mixed-breed dogs ($75/month) is about average. The price for purebred dogs ($119/month) is significantly higher than the $90/month average of the companies we reviewed. However, Embrace received an excellent rating in our review due to the solid coverage it offers.

Our survey of current Embrace customers found that 89% of customers were somewhat to very satisfied with the customer service, which is about average for the companies we reviewed. We also found that 88% of current customers would recommend Embrace, which is also about average. However, only 75% of Embrace customers who have filed claims are somewhat to completely satisfied with the claims process, compared to an average of 83%.

Pros

• A regular wellness program is available.
• Discounts for multiple pets (10%) and military members (5%).
• Dental coverage.

The mobile app gets very good user reviews.

Cons

• Coverage for veterinary check-ups is an additional cost. Some insurers include it in their basic coverage. The waiting period for orthopedic conditions is
• 6 months, but can be reduced to 14 days for orthopedic examinations. There is
• no option to pay the vet immediately.
  

  Embrace’s Types of Plans and Coverage

  Embrace, which is on our list of the best pet insurance companies, offers an accident and illness plan that covers the widest range of issues and is the most popular type of coverage. It also offers a dedicated accident plan and a supplemental health plan.

Accident and Illness Insurance

These are the types of issues you can expect to see covered by Embrace’s accident and sickness plan.

Accidents

For example, broken bones, cuts, broken teeth, being hit by a car, and swallowing foreign objects.

Illnesses

For example, allergies, cancer, diabetes, skin infections, and congenital and genetic conditions such as hip dysplasia and intervertebral disc disease.

Hospitalizations

For example, emergency care and surgeries, including anesthesia, rehabilitation services, and vet/technician time. Specialized Care
This includes veterinarians, oncologists, behaviorists, and internal medicine specialists. It may also include alternative therapies and rehabilitation, such as acupuncture or laser therapy.

Specialist Care

This includes medications prescribed for a condition covered by your insurance policy, such as a skin infection. It may also include prescription food if your veterinarian has prescribed it for a condition covered by your insurance policy, such as digestive problems.

Prescription Medication

Diagnostics

This includes blood tests, X-rays, MRIs, and CT scans.

Accident-Only Insurance

Embrace also offers an accident insurance policy that covers conditions such as hit-and-run injuries, foreign body ingestion, and torn cruciate ligaments.

Keep in mind that if you purchase an accident insurance policy, you will not have coverage for conditions typically covered by an accident and illness plan. For example, an accident insurance policy does not cover ear infections, diarrhea, and vomiting, which are common illnesses.

Embrace Add-Ons

Embrace also offers an additional Wellness Rewards program. This is not an insurance plan, but you can get a level of reimbursement for the cost of quality preventive care that can help you save money over a 12-month period.

Here’s how it works: You choose a reimbursement level of $250, $450, or $650 per year. You will then be charged a monthly amount for the plan. For example, a $250 reimbursement is $18.25 per month, which is equivalent to $225 per year. This means you can save up to $25 on preventive health care costs. Reimbursed items and services include:

• Health screening fees
• Vaccinations
• Microchipping
• Flea, tick and heartworm prevention
• Dietary supplements
• Spay/neuter
• Routine blood and fecal testing
• Grooming (including toenail clipping)
• Medicated shampoos
• Routine anal gland extractions
• Gastropexy
• Preventive dental cleanings
• Prescription diet food
• Exercise
• Hip-Hip Dysplasia screenings, X-rays or other OFA tests
• Routine chiropractic care
• Reiki, massage therapy and acupuncture
• Portable pet activity monitors
• Cremation or burial
  

  What Embrace Does Not Cover

Here are some issues that Embrace does not cover for pets by insurance:

• Pre-existing conditions
• Reproduction, pregnancy and childbirth
• DNA testing or cloning
• Cosmetic procedures such as cropping
• Ear cropping or declawing (unless medically necessary)
• Cell therapy that is not medically necessary
• Intentional injuries caused by you or someone in your household
• Injuries or illnesses caused by fighting, racing, cruelty or negligence
• Bird flu or nuclear war

Embrace Pet Insurance Coverage Levels

Annual maximum limit
The maximum amount of compensation your insurance company will pay in a given year is known as the annual coverage limit. Embrace has a coverage limit.

• $5,000
• $8,000
• $10,000
• $15,000

Unlimited

Deductible Options

Your deductible is the amount you must pay before your coverage starts paying for your expenses. Embrace offers the following deductible options:

• $100
• $250
• $500
• $750
• $1,000
  

  Reimbursement Options

  When you prepay for your pet’s medical expenses, you must file a claim for the conditions covered by your policy. You can choose a reimbursement level:

• 70%
• 80%

90%

What Are Embrace’s Pet Insurance Waiting Periods and Age Restrictions?

Coverage begins at 12:01 a.m. (EST) on the day after you purchase the plan.

• The waiting period for illness is 14 days.
• For orthopedic conditions in dogs, the waiting period is six months.
• For orthopedic conditions in dogs, the six-month waiting period can be reduced to 14 days if you undergo an orthopedic examination and request an exemption. The orthopedic examination must be completed within the first 14 days of the validity period of your pet insurance policy. If it is not completed within the first 14 days, the waiting period will be reduced to the date of your dog’s orthopedic examination.

You can enroll your dog or cat in Embrace’s accident and illness plan until they are 15 years old. After 15 years, your pet is eligible for only one accident plan.

How Much Does Pet Insurance From Embrace Cost?

According to a Forbes Advisor pet insurance cost analysis, Embrace pet insurance costs an average of $52 per month for a dog and $42 per month for a cat. This equates to $5,000 in annual coverage, a $250 deductible, and an 80% reimbursement rate. The average cost of Embrace pet insurance is $75 per month for a dog and $63 per month for a cat, with unlimited coverage, a $250 deductible, and an 80% reimbursement rate.

About Embrace Pet Insurance

Embrace Pet Insurance is a Cleveland-based company that is insured by American Modern Insurance. The company started as a pet insurance concept and won the Wharton Business Plan Competition in 2003. In 2006, Embrace sold its first pet insurance policy. Today, Embrace offers insurance to pet owners nationwide.