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21
Policies Evaluated
17
Companies Analyzed
8
Best Companies Selected
- Sample Premium for Dogs: $29.71
- Sample Premium for Cats: $12.22
Three Tiers of Wellness Coverage
Pros:
Some of the lowest sample premiums among insurers in our rating
Multiple discount opportunities available
Cons:
When enrolling a pet over age 14, an accident-only policy is the only option
- App Available:
- Yes
- Maximum Enrollment Age:
- 14 years*
- Money Back Guarantee:
- 30 days
* Dogs and cats age 14 and younger are eligible for full accident and illness coverage. Pets 15 years old and older are eligible for an accident-only policy.
You can fill out basic information about your pet on Embrace's website to request a quote. You'll also need to give Embrace permission to obtain a year's worth of medical records from your vet. If your pet is less than a year old or was adopted within the past year, you will need to provide records dating back to when they joined your household.
You'll be able to adjust your annual maximum, annual deductible, and reimbursement percentage to manage your premium. Keep in mind that pets 15 years and older are only eligible for accident coverage.
You can also decide if you want the optional Wellness Rewards plan that reimburses you for wellness visits and preventative treatments that fall outside of a traditional pet insurance policy.
Embrace plans have a 14-day waiting period for illness and a 48-hour period for accidents. Waiting periods prevent you from signing up for pet insurance and immediately filing a claim for an accident or illness. You can't file claims for situations that arise during those periods. Dogs have a six-month period for orthopedic treatment, though you can reduce it to 14 days by getting an orthopedic exam.
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Company | Accident | Illness | Hip Dysplasia | Cruciate Ligaments | |
|---|---|---|---|---|---|
| Pets Best » | 3 days* | 14 days | 14 days | 6 months | |
| Embrace » | 48 hours | 14 days | 6 months** | 6 months | |
| Spot » | 14 days | 14 days | 14 days | 14 days | |
| Lemonade » | 2 days | 14 days | 14 days | 6 months | |
| Trupanion » | 5 days | 30 days | 30 days | 30 days |
* Pets Best: for Maine residents, there is no waiting period for accidents, a 14-day waiting period for illnesses, and a 30-day waiting period for cruciate ligament conditions. ** Embrace: the waiting period for orthopedic conditions may be reduced to 14 days through an orthopedic exam and waiver process. *** Figo: the waiting period for orthopedic conditions can be waived by submitting an orthopedic waiver within the first 30 days of coverage.
Embrace Pet Insurance offers a plan called Wellness Rewards on top of its standard plan, but this is not an insurance policy. This allows you to pay over the course of the year for a fixed amount of wellness treatments including wellness vet visits, spaying and neutering, and grooming. You can choose between three levels of coverage: $250, $450, or $650 per year.
No, Embrace does not cover exotic pets like rabbits, guinea pigs, parrots, or snakes. Its plans are only designed for dogs and cats.
In general, Embrace doesn’t cover preexisting conditions. However, it may cover curable preexisting conditions that have been symptom-free and treatment-free for at least 12 months.
Embrace does not offer spaying/neutering as part of its insurance plan. However, customers can purchase the company’s additional non-insurance program, Wellness Rewards. Embrace calls this additional program a tool that can help with budgeting. The money put into this plan can be used for spaying/neutering, among other things.
Preventative teeth cleaning is not included in Embrace’s insurance plan. But, like spaying/neutering, customers who have the Wellness Rewards plan can use that money for dental cleanings.
You can contact Embrace customer service by phone during extended business hours Monday through Friday. You can also use the MyEmbrace website or the Embrace smartphone app to update your coverage and submit claims. The company can also be reached by email, fax, or postal mail.
Embrace Pet Insurance plans generally have an annual maximum selected when you sign up. There is no lifetime max on Embrace plans. Dental coverage works separately, with dental illness generally covered up to $1,000 per month under Embrace's plans.
The Wellness plan is a separate offering with its own annual limits.
Embrace pet insurance does have an annual deductible. You will select the deductible when you sign up for coverage. Insurance only begins to cover expenses after you’ve paid the deductible for that year. If you pay a higher deductible, you'll generally have lower premiums as part of your plan.
You can submit a claim online or through the MyEmbrace app. You can also send it by email, fax, or postal mail. You'll need to include a complete invoice from your veterinarian's office and make sure to include all pages with your claims. You'll also need any diagnosis your pet received.
After you submit the online or physical claim form, it will typically take 10 to 15 business days to process. Your first claim may take longer. You'll get reimbursed by direct deposit within about three days or by check within about 10 business days if you prefer. You can track your claim online.
You can cancel your Embrace pet insurance plan by email or phone. If you cancel within 30 days of when your policy started and haven't submitted any claims yet, you'll get a full refund. Otherwise, you might get a prorated refund of your premium for the current billing cycle.
Keep in mind that if you cancel you'll have a new waiting period if you sign up again, and any conditions your pet has been treated for may be considered a preexisting condition.
