Embrace Pet Insurance provides insurance for cats and dogs that are at least 8 weeks old. Although Embrace has only been in business since 2006, they work with an underwriter—Lloyd’s of London—that’s been around for over 300 years. This means the company is well-equipped to pay out claims.

Unlike other pet insurance companies, Embrace offers customizable policies. You don’t need to choose from a list of options; instead, you tailor the policy to fit your needs. Choose an annual maximum of $2,000, $5,000, or $10,000 annually; a deductible of $100, $200, or $500 annually; and a co-payment other 10%, 20%, or 35%. The most comprehensive coverage would include a high deductible and a high annual maximum. If you can’t afford that, though, you can still get peace of mind with $2,000 in annual coverage and a $100 deductible.

All Embrace policies cover accidents and illness (with certain age restrictions), cancer, hospitalization, surgery, laboratory and diagnostic testing, medication administered by your vet, cancer, and genetic conditions. Since most pet insurers do not cover genetic conditions, this gives Embrace a competitive edge. Prescription and dental coverage, along with continuing care for chronic illnesses, are optional.

With an Embrace pet insurance policy, you can see any veterinarian. Just submit a claim after your appointment, and they will reimburse you in accordance with your benefits. If your pet has a microchip ID, if you’re a veterinary worker, or if you have multiple pets, you’re eligible for discounts. Still got questions? Contact Embrace Pet Insurance at 800-511-9172. According to policy holder testimonials, their customer service is outstanding!

Embrace Pet Insurance Review

Rating: 10

Our review process starts with calling each of the insurance providers over the telephone.

I called Embrace Pet Insurance and spoke with a customer service representative named Christine about 3 pets:

• A 2-year old male Yorkshire Terrier
• A 6-year old male Cocker Spaniel
• An 8-year old female mixed breed cat

Christine answered my call immediately, and was very helpful in addressing all my questions. She explained I’d get two 5% discounts because my pets were spayed and neutered and I had more than one pet. I told her my pets were not microchipped, which means I didn’t qualify for a third 5% discount.

THE PLANS/QUOTES:

I have four options for both the dogs and the cat:

Budget: includes accident and illness coverage with a $5,000 annual maximum, a $500 deductible, and 20% co-payments.

For the Yorkshire Terrier: $18.67/mo

For the Cocker Spaniel: $38.38/mo

For the cat: $30.05/mo

Everyday: includes accident and illness coverage with a $10,000 annual maximum, a $200 annual deductible, and a 20% co-payment.

For the Yorkshire Terrier: $31.95/mo

For the Cocker Spaniel: $59.82/mo

For the cat: $48.18/mo

Complete: includes accident, illness, prescription and, dental illness coverage, as well as the wellness rewards program—a $200 allowance that you can put toward any type of wellness treatment. The annual maximum is $10,000, the deductible is $200, and the co-payment is 10%.

For the Yorkshire Terrier: $62.59/mo

For the Cocker Spaniel: $105.09/mo

For the cat: $87.31/mo

Design a Custom Policy: includes accident and illness coverage. You can add prescription and dental illness coverage and the wellness rewards program if you choose. You can then choose an annual limit from $2,000–$10,000; a deductible of $100, $200, or $500; and a co-payment of 10%, 20%, or 35%.

For the Yorkshire Terrier: starts at $31.66 and goes up to $80/mo

For the Cocker Spaniel: starts at $51.01 and goes up to $101.34/mo

For the cat: starts at $48.17 and goes up to $101.16/mo

MORE DETAILS

If I pay for the plans annually as opposed to monthly, I save an additional 5%. All of the plans allow me to see any veterinarian in the country. Embrace does not cover pre-existing conditions but does cover breed-specific and genetic conditions. Coverage for accidents and illnesses starts 15 days after I purchase the policies. I have 30 days after making the purchase to cancel the plans so long as I don’t make a claim.

CONCLUSIONS:

As we came to the end of the call, Christine told me she could help me purchase the plans or I could use the website. She was extremely helpful and friendly.

In making my choice, I will consider the following pros and cons:

Pros:

• You have full control over the annual maximum, deductible, and co-payment if you make a custom policy.
• The maximum is per year, not per incident.
• There are several ways to get discounts.
• All pets get the 5% multi-pet discount, not just additional pets after the one with the highest premium (like other insurance companies).
• They cover genetic and breed-specific conditions.
• Embrace covers chronic conditions, unlike other insurance companies.
• They do not exclude any breed.
• Embrace reimburses a straight percentage of your bill instead of using a benefits schedule.
• Other customer reviews indicate Embrace pays claims quickly.

Cons:

• The rates are higher than competitors’ rates.
• The wellness rewards program is only a $200 annual allowance, which may not be enough to cover office visits, vaccinations, and more.

Embrace Pet Insurance is one of the best in the business, and a wonderful choice for pet owners.

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