Embrace Pet Insurance Review

Embrace Pet Insurance, a stalwart in the pet insurance industry since its inception in 2003, has earned a notable spot in our top 5 pet insurance companies. In this comprehensive review, we delve into the unique offerings, customer satisfaction, coverage options, pricing, and more that make Embrace stand out among pet insurance providers.

Background and Unique Offerings

Founded in Cleveland, Embrace has established itself as one of the oldest and most trusted pet insurance companies. Teaming up with underwriter American Modern Insurance Group for almost two decades, Embrace goes beyond a typical insurance provider. The company's commitment to social responsibility is evident through its program, donating $2 to charities and pet foundations with every policy sold.

Our Take on Embrace Pet Insurance

Our high rating is influenced by Embrace's diverse deductible and reimbursement options, cost-effective premium rates, and comprehensive coverage. One standout feature is Embrace's array of discount options, making it our top pick for pet owners looking to save on insurance costs.

Discount Options

Embrace distinguishes itself by providing various ways to save money. These include a 10% discount for each additional pet policy purchased, a 5% military discount, and an employee benefit program offering a 10% discount to employees of companies providing Embrace pet insurance.

Healthy Pet Deductible Benefit

A notable feature is the Healthy Pet Deductible benefit, offering a $50 credit toward the deductible for every consecutive year without a filed claim. This unique perk encourages responsible pet ownership and rewards customers for maintaining their pets' health.

Customer Communication

Embrace encourages customer communication by prominently displaying a readily accessible phone number on its website, fostering transparency and accessibility.

Pros and Cons

In our thorough research, Embrace Pet Insurance scored an impressive 90.5 out of 100. Let's explore the advantages and disadvantages:

Pros

1. Coverage of Routine Pet Costs: Embrace's wellness plan covers all routine pet costs, up to the annual limit.

2. Healthy Pet Deductible Benefit: Reduces the deductible by $50 each claim-free year.

3. Online Customer Support: Offers online customer support via live chat.

Cons

1. Exclusions on Supplements and Prescription Food: Unless added with wellness coverage.

2. Limit on Wellness Benefits: Wellness benefits have a $650 annual limit.

   
   

Embrace’s Plans and Coverage

Embrace provides a single comprehensive Accident and Illness Plan, covering a wide range of veterinary expenses. Covered conditions include cancer, congenital conditions, dental trauma, chronic conditions, genetic conditions, hip dysplasia, injuries, and more.

Optional Wellness Rewards Coverage

For an additional $18 to $53 per month, pet owners can add $250, $450, or $650 of annual coverage limits for preventative care costs. This includes routine vet visits, microchipping, spaying or neutering, vaccinations, and teeth cleaning. The Wellness Rewards plan pays 100% of these costs up to the annual limit, with no co-pay and associated costs not counting toward the accident and injury plan deductible.

Exclusions and Waiting Periods

Embrace, like all pet insurance providers, doesn't cover pre-existing conditions. Waiting periods include 48 hours for accidents, 14 days for illnesses, and 6 months for orthopedic conditions, with potential reduction to 14 days via an orthopedic exam.

Embrace Plan Customizations

Embrace offers a high degree of customization with five deductible options, five annual coverage limits, and three reimbursement rates. Pet owners can tailor their policies to balance premiums and out-of-pocket costs during a claim.

Embrace Pet Insurance Cost and Discounts

Among Embrace's significant benefits are its discount options:

• Military Discount: 5% off for service members.

• Multi-Pet Discount: 10% off additional pet policies.

• Employee Benefit Program: 10% off for employees of participating companies.

The Healthy Pet Deductible, reducing the annual deductible by $50 each claim-free year, adds to the potential savings. The sample quotes from various pet breeds in Columbia, S.C., showcase competitive pricing for policies with $5,000 of annual coverage, a $300 deductible, and an 80% reimbursement rate.

Embrace Pet Insurance Reviews

To gauge real-life experiences, we analyzed over 100 reviews from Embrace customers on third-party platforms like the Better Business Bureau (BBB) and Trustpilot.

Positive Feedback

Many customers praise Embrace for a smooth claims process, quick reimbursements, and a helpful customer service team. The Healthy Pet Deductible benefit receives accolades for incentivizing responsible pet ownership.

Negative Feedback

Some users express concerns about denied claims, a cumbersome claims process, and lengthy processing times. The company's response to pre-existing conditions and communication around medical history review has led to confusion and frustration for certain customers.

Conclusion

In conclusion, Embrace Pet Insurance emerges as a top-notch provider, balancing affordability, comprehensive coverage, and unique benefits. With a commitment to social responsibility, diverse discount options, and customizable plans, Embrace caters to the varied needs of pet owners. While some negative reviews highlight areas for improvement, the overall positive sentiment and our thorough evaluation make Embrace a strong contender for pet insurance coverage.