If you’re a pet owner, you know that your furry friend is a beloved member of your family. And just like with any family member, you want to ensure that they are healthy, happy, and well-cared for. But what happens if your pet gets sick or injured?
That’s where pet insurance comes in. Pet insurance can help cover the costs of unexpected veterinary bills, and give you peace of mind knowing that you can provide your pet with the care they need. One popular pet insurance provider is Embrace Pet Insurance. In this article, we’ll provide an in-depth review of Embrace Pet Insurance, including its coverage options, pricing, customer service, and more.
What is Embrace Pet Insurance?
Embrace Pet Insurance is a pet insurance provider that has been in business since 2003. The company offers comprehensive coverage options for cats and dogs, including accident and illness coverage, wellness rewards, and prescription drug coverage. Embrace is also known for its customizable policies, which allow pet owners to choose the coverage options that best suit their pet’s needs and their budget.
Embrace Pet Insurance Coverage Options
Embrace Pet Insurance offers several coverage options for cats and dogs, including:
Policy Type |
What’s Covered |
Accident and Illness Coverage |
Covers unexpected veterinary expenses related to accidents and illnesses, including diagnostic tests, surgeries, hospitalization, and more. |
Wellness Rewards |
Covers preventive care expenses such as routine exams, vaccines, and flea and tick prevention. |
Prescription Drug Coverage |
Covers the cost of prescription medications that are prescribed by a licensed veterinarian. |
With Embrace’s accident and illness coverage, you can choose from four different reimbursement levels (70%, 80%, 90%, or 100%) and four annual deductibles ($100, $200, $300, or $500). This allows you to tailor your policy to your pet’s needs and your budget. Embrace also offers a Healthy Pet Deductible, which decreases your deductible by $50 each year that you don’t receive a payout from your policy.
Embrace Pet Insurance Pricing
The cost of Embrace Pet Insurance varies depending on several factors, including your pet’s age, breed, and location, as well as the coverage options you choose. To give you an idea of what to expect, we’ve provided some sample quotes below:
Pet Type |
Coverage Options |
Cost Per Month |
Dog |
Accident and Illness Coverage with 90% reimbursement and $300 deductible |
$63.63 |
Cat |
Accident and Illness Coverage with 80% reimbursement and $300 deductible |
$33.22 |
Embrace also offers discounts for insuring multiple pets and for paying your premium annually. You can get a free quote on the Embrace website to see how much your policy would cost.
Embrace Pet Insurance Customer Service
Embrace Pet Insurance has a reputation for excellent customer service. The company has received an A+ rating from the Better Business Bureau and has a 4.7 out of 5 star rating on Trustpilot, based on over 1,000 reviews.
Embrace offers several ways to get in touch with customer service, including phone, email, and live chat. The company also has a helpful FAQ section on its website, which we’ve included below.
Embrace Pet Insurance FAQ
What is the waiting period for Embrace Pet Insurance?
Embrace has a 14-day waiting period for illness coverage and a 48-hour waiting period for accident coverage. This means that any illnesses or accidents that occur within these timeframes will not be covered by your policy.
Does Embrace cover pre-existing conditions?
No, Embrace does not cover pre-existing conditions. A pre-existing condition is any medical condition that your pet has before you enroll them in a policy.
What is the claims process for Embrace Pet Insurance?
To file a claim with Embrace, you can submit it online, through the Embrace mobile app, or by mail. You’ll need to provide a copy of your vet bill, as well as any medical records that support your claim. Embrace typically processes claims within 10 business days.
What is Embrace’s reimbursement policy?
Embrace offers reimbursement levels of 70%, 80%, 90%, or 100%. This means that after you meet your deductible, Embrace will reimburse you for a percentage of your vet bill, based on the reimbursement level you’ve chosen.
What is Embrace’s cancellation policy?
You can cancel your Embrace pet insurance policy at any time by contacting customer service. If you cancel within the first 30 days of your policy, you’ll receive a full refund. After the first 30 days, you’ll be refunded for any unused premium.
Final Thoughts
Overall, Embrace Pet Insurance is a solid choice for pet owners looking for comprehensive coverage options, customizable policies, and excellent customer service. With competitive pricing and a variety of coverage options, Embrace is definitely worth considering when shopping for pet insurance.
However, as with any insurance policy, it’s important to read the fine print and understand the terms and conditions of your policy. Before enrolling in a policy, be sure to read Embrace’s policy documents carefully and ask any questions you may have. With the right coverage, you can ensure that your furry friend receives the best possible care, no matter what life throws their way.
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