Embrace Pet Insurance Review
- Get up to 90% back at any vet
- Comprehensive illness & accident coverage - no levels
- Optional wellness plan covers routine vet, grooming, & training costs
- Save $50/Year with Healthy Pet Deductible
Embrace Pet Insurance Agency LLC is a pet insurance provider based in Cleveland Ohio that sells policies for dogs and cats. They were founded in 2003 and are underwritten by American Modern Home Insurance Company. Embrace has an A+ rating with the BBB, consistently positive online reviews, and is known for broad coverage and fast payouts.
Up to 90% Vet Bill Reimbursement
24/7 Telehealth Helpline
No Upper Age Limit on Enrollment
Coverage Starting at as Little as $10 per Month
Coverage for Pets of Any Age and Breed
Coverage
Embrace sets itself apart from the pack in coverage because, in addition to providing for usual accidents and illnesses, the company also covers various items not traditionally offered under other companies' standard plans. These include prosthetic limbs, behavioral therapy, and alternative treatments. Embrace also offers prescription drug coverage and a wellness plan at an additional cost.
As with all pet insurance plans, Embrace will not cover pre-existing conditions if they were apparent before the policy purchase.
When it comes to benefit limits, Embrace's annual maximum is lower than some competitors, but you can customize it to fit your budget. They offer reimbursement options ranging from 65% to 90%, and their deductibles are pretty flexible too. You can choose from $100, $200, $300, $500, or $1000 annually, and Embrace even offers a program called Healthy Pet Deductible that can help lower your deductible by $50 each year you don't make a claim.
Pricing
Embrace's policies may be a bit more expensive than other companies, but they offer budget-conscious plans that can fit any pet-parent's needs. Their monthly premiums start at $8.98 for a 1-year-old male American Shorthair cat and $13.04 for a 1-year-old male Golden Retriever in zip code 92683, with a benefits cap of $5,000 and reimbursement model of 70% of actual cost.
Enrollment
Enrollment with Embrace is a breeze, with waiting periods of 14 days for accidents and illnesses, and an additional six-month waiting period for orthopedic conditions in dogs. Embrace won't allow pets older than 14 to enroll in illness coverage, but their minimum enrollment age is just 6 weeks.
