Embrace pet insurance review 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Published 6:00 a.m. UTC May 6, 2024
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Pros
- Diminishing deductible for healthy pets.
- Coverage for vet exam fees related to a covered injury or illness.
- Coverage for medication and other therapies prescribed by a veterinarian to treat behavioral issues.
- Coverage for complementary treatments such as acupuncture, hydrotherapy and physiotherapy.
- Coverage for up to $1,000 per year in treatments for dental illnesses.
Cons
- 14-day waiting period for illnesses.
- 6-month waiting period for orthopedic conditions.
- Physical exam required for enrollment.
- Claims can take 10 to 15 days to process.
Why trust our pet insurance experts
Our team of pet insurance experts evaluates hundreds of pet insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 4,000+ pet insurance rates reviewed.
- 500+ coverage details evaluated.
- 5 levels of fact-checking.
About Embrace pet insurance
Cleveland-based Embrace pet insurance has been in business since 2006. It partners with American Modern Insurance Company to underwrite its policies and insures more than 500,000 dogs and cats.
Embrace donates money for every policy it issues and matches employee donations at 100%, even for non-pet-related charities. It also gives back to its community by hosting a fundraising competition for local nonprofits. Consider this Embrace pet insurance review when comparing carriers to find the company that best meets your pet’s needs and your budget.
Embrace pet insurance rates
We understand budget is a deciding factor for many pet owners. We’ve gathered Embrace pet insurance quotes to give you an idea of what you might pay for coverage with Embrace. These rates are for breeds averaged across 25 ZIP codes.
| DOG BREED | WITH $5,000 ANNUAL COVERAGE | WITH UNLIMITED COVERAGE |
|---|---|---|
Small mixed breed
| $34
| $54
|
Medium mixed breed
| $40
| $62
|
Large mixed breed
| $49
| $76
|
Beagle
| $56
| $89
|
Bulldog
| $94
| $148
|
Dachshund
| $48
| $75
|
French bulldog
| $94
| $149
|
German shepherd
| $61
| $96
|
Golden retriever
| $61
| $96
|
Labrador retriever
| $61
| $96
|
Poodle
| $73
| $115
|
Rottweiler
| $106
| $166
|
Source: Petinsurer.com. Rates are based on the average monthly cost of pet insurance for dogs at ages 3 months and 3 years, with a $250 deductible and 80% reimbursement level.
What Embrace pet insurance covers
Embrace’s accident and illness pet insurance coverage options include:
- Breed-specific, congenital, genetic and chronic conditions.
- Complementary treatments.
- Dental illnesses.
- Diagnostic exam fees.
- Diagnostic testing.
- Emergency care.
- Hospitalization.
- Orthopedic conditions.
- Prescription drugs.
- Preventable conditions.
- Rehabilitation.
- Specialist care.
- Surgery.
Pet owners can also choose Embrace’s cheaper option, accident-only coverage. This includes the above coverages, but only if they relate to a dog or cat’s accidental injuries.
Embrace wellness rewards
Pet owners can choose to add Embrace’s wellness rewards plan, which includes coverage for routine and preventive care not available in its pet insurance plans.
You can get up to $650 in rewards coverage each year, which includes:
- Acupuncture.
- Anal gland expression.
- Behavior training.
- Blood and fecal testing.
- Cremation or burial costs.
- Dental cleanings.
- Exams, X-rays, and other testing for hip dysplasia.
- Flea, heartworm, and tick prevention medication.
- Gastropexy.
- Grooming.
- Massage therapy.
- Medicated shampoos.
- Microchip implantation.
- Nail trims.
- Nutritional supplements.
- Prescription diet food.
- Reiki.
- Routine chiropractic care.
- Spay or neuter surgery.
- Vaccines and titers.
- Wellness visit exam fees.
- Wearable pet-activity monitors.
What Embrace pet insurance doesn’t cover
As is typical with pet insurance companies, Embrace has exclusions they don’t cover under its pet insurance plans. This includes:
- Avian flu.
- Breeding, pregnancy and whelping.
- Cosmetic procedures like ear cropping, tail docking or dew claw removal that aren’t medically necessary.
- Cruelty, fighting, racing or neglect injuries or illnesses.
- DNA testing or cloning.
- Intentional injury by anyone living in the household.
- Nuclear war.
- Pre-existing conditions.
- Routine care (unless you add a wellness rewards plan).
Embrace will cover some curable pre-existing conditions, such vomiting, diarrhea and ear infections. If your dog or cat goes a year without symptoms and treatment, the condition may be eligible for coverage.
Embrace vs. competitors
| PET INSURANCE COMPANY | OUR RATING | AVERAGE MONTHLY DOG INSURANCE | AVERAGE MONTHLY CAT INSURANCE | Learn More | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
| $44 | $25 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $59 | $32 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $52 | $23 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $46 | $27 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $76 | $47 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
| $47 | $43 | See Plans Via Comparecoverage.com | ||||||||
| ||||||||||
 Paw Protect | $77 | $47 | See Plans Via Comparecoverage.com | |||||||
|
Source: PetInsurer.com. Average monthly pet insurance cost assumes unlimited reimbursement (or the highest level offered by that company), a $500 deductible and a 90% reimbursement percentage for a dog insurance accident and illness plan. These average pet insurance company rates are based on dogs and cats of various ages, breeds and ZIP codes.
Methodology
To find the best pet insurance, we analyzed 15 pet insurance companies using data provided by PetInsurer.com.
Each pet insurance company was eligible for up to 100 points, based on its performance in the following key categories:
- Cost: 50 points. We calculated average rates for accident and illness pet insurance plans for dogs with the highest level of coverage available, a $500 deductible and a 90% reimbursement percentage.
- Annual coverage limits: 10 points. Pet insurance companies that offer an annual reimbursement level of $100,000, or unlimited annual coverage scored in this category.
- 24/7 vet line: 10 points. Insurance companies that offer access to a 24/7 vet line earned points. Being able to call for medical advice might save you money on vet visits.
- Routine wellness plan: 10 points. Pet insurance companies that offer an optional wellness plan add-on scored full points. Wellness plans can reimburse you for preventative care for your pet.
- Pays vet exam fees: 10 points. If a pet insurance plan includes pet exam fees, the insurer received 10 points. If this is offered as a coverage add on, the insurer received 5 points.
- Multipet discount: 5 points. Pet insurance companies that offer a discount for insuring more than one pet received full points.
- Euthanasia or end of life expenses included: 5 points. If euthanasia or other end of life expenses are covered in pet insurance plans, a pet insurance company scored in this category.
Embrace pet insurance review FAQs
Only you can decide if Embrace pet insurance wellness coverage is worth it. Embrace offers between $250 and $650 in wellness coverage each policy year. It offers a long list of eligible reimbursements, which include spay or neuter surgery, training, wearable pet activity monitors, gastropexy, nutritional supplements and medicated shampoos.
Dig into the coverage: Is pet insurance worth it?
Pet insurance premiums can increase each year, and Embrace is no exception. The carrier may increase your rates when your pet insurance policy renews because of your pet’s age, pet population trends, discount changes and statewide rate adjustments. Embrace will notify you by email two to four weeks before your renewal date if your premium changes.
Time to shop around? How to compare pet insurance quotes
While Embrace Pet Insurance Agency, LLC administers its own policies, American Modern Home Insurance Company underwrites Embrace pet insurance plans. You can download a copy of your policy at any time by logging into your Embrace account and clicking on “Claims & Documents.”
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
