Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.

Embrace Review

Saturday, June 19th

2021 Pet Insurance Company Reviews

Embrace Review 4.5 Star Rating

Embrace

4.5 Star Rating
  • Cost: $25 enrollment fees
  • Plans starting at $6.94/month (plus $1/month billing fee on all policies)
  • Deductible is reduced every year no claims are made

Since 2006, Embrace has ensured more than 100,000 dogs and cats throughout the United States. At the time of our review, they had a strong reputation with the Better Business Bureau as an accredited, "A+" rated company.

Embrace's rates are fairly competitive with most providers of pet insurance. You can customize your pet insurance policy according to your desired annual deductible ($200 to $1000), annual reimbursement limit ($5000 to $30,000), and reimbursement percentage (70% to 90%). For our 7-year-old dog, the three main packages recommended by Embrace were a little higher than some of their competitors', but we were able to tweak our preferences for deductible and reimbursement to get a monthly premium we liked.

Wellness/routine care options exist, but they are a "supplementary, non-insurance benefit". It works similarly to an HSA (Health Savings Account), where you pay every month towards your account and those funds can be used to reimburse you for vaccinations, routine visits, grooming, and so forth. You can choose annual limits of $250, $450, or $650. With each of these plans, you get $25 free. In other words, a $250 plan costs $225 over the course of a year, a $450 plan costs $425, and so on.

Best Pet Insurance Companies

A few other features we liked about Embrace pet insurance:

  • Embrace follows a "deductible then copay" reimbursement model in contrast to some other pet insurance companies that use a "copay then deductible" model. Embrace's reimbursement could mean saving an additional $50 on a $1,000 claim.
  • Embrace uses an annual deductible, while some competitors use a per-condition deductible. An annual deductible only needs to be met once per year, regardless of how many claims you make. Plans with a per-condition deductible require you to pay a new deductible every time you go to the vet for a new condition. If your pet has an unlucky year, your out-of-pocket costs could be higher by a few hundred dollars with a per-condition deductible.
  • Embrace offers a 24/7 pet help line. This provides you with instant, real-time access to veterinary experts and decision support for any questions you might have about your pet's behavioral changes, possible poisoning, emergencies, and more. This policyholder benefit is valued over $99 a year and is included with every policy at no extra cost.

Another way to save is through Embrace's Healthy Pet Deductible. With this feature, your annual deductible will automatically decrease by $50 after every year that you don't make a claim on your policy. So, if you start out with a deductible of $200 per year, it would drop to $150 in year 2, $100 in year 3, and so on. Once you make a claim, however, your deductible for the following year is reset to your original amount. This is included with every Embrace policy at no extra charge.

We were surprised to see a $1/month "Billing Fee", evidently to cover the cost of monthly payment processing. We're not aware of any other pet insurance company that charges for that. There was also an enrollment fee of $25. Neither of these charges amount to very much money, but are still something you should be aware of.

As with many pet insurance providers, Embrace gets its fair share of complaints about claims being denied as pre-existing conditions. If you have a good medical history for your pet - and possibly a clean orthopedic exam - you shouldn't have any issues. The happy customers we found said that they were treated with the utmost respect and care, and that their claims were approved and paid very quickly.

Embrace does a lot of things right. Starting with an excellent reputation and comprehensive pet insurance plans, they add features such as their 24 hour help line, wellness coverage, and a Healthy Pet Deductible that few competitors can match. For all these reasons, Embrace is an outstanding option when it comes to pet insurance plans.

Who Has the Best Pet Insurance?

Medical care is rarely cheap - and the same goes for our four-legged friends. While pet owners are grateful for advances in technology and medicine that make it possible to keep their "fur kids" healthy, these procedures and prescriptions often come with a hefty price tag.

Without pet insurance, a simple blood test can cost well over $200. Even a standard yearly checkup can set you back by hundreds of dollars. How's your wallet feeling now? Chances are, you would do almost anything to take care of your beloved pet - but you might find yourself having to make difficult choices, especially if your dog or cat experiences a traumatic injury or life-threatening illness.

The Best Pet Insurance Companies Compare Pet Insurance Companies Compare Pet Insurance Company Reviews What are the best Pet Insurance Companies Best Pet Insurance Company Reviews

Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
Compare the Best Reviews

Continued from above...

Just like their owners, pets can be protected with pet insurance plans that help ease the financial strain of medical care. Pet insurance has become very popular in the last few years, with dozens of companies offering to help you keep your pet healthy for a long time. But, every pet insurance plan is different with respect to deductibles and fees, covered services, and claims processing.

As you decide which pet insurance company is the best fit for you and your pet, keep in mind the following criteria:

  • Cost. What will you pay for your coverage? Is there a deductible, and is it annual or per incident? Will you pay any enrollment fees?
  • Coverage. What services and procedures are covered in the plan you have selected? Does it cover preventative measures like annual checkups? Are there any noteworthy exclusions? Does the company offer a variety of plans to meet your needs?
  • Reputation. Is the pet insurance provider rated by the Better Business Bureau? What do other customers say about their experience? Are claims paid quickly, or do you have to jump through a lot of hoops to file paperwork? Do many claims get denied? Are the company's customer service representatives knowledgeable and friendly?

TopConsumerReviews.com has reviewed and ranked the best Pet Insurance companies available today. We hope this information helps you find the best pet insurance plan for you and your animal companion!

Compare Pet Insurance Companies

Select any 2 Pet Insurance Companies to compare them head to head

best-pet-insurance
  • Pets Best
  • Embrace
  • Healthy Paws
  • Figo
  • Pet Premium
  • ASPCA
  • Trupanion Pet Insurance
  • Petplan
  • Pet Assure
  • Nationwide
  • Pet First
  • 24 Pet Watch
Pets Best vs Embrace Pets Best vs Healthy Paws Pets Best vs Figo Pets Best vs Pet Premium Pets Best vs ASPCA Pets Best vs Trupanion Pet Insurance Pets Best vs Petplan Pets Best vs Pet Assure Pets Best vs Nationwide Pets Best vs Pet First Pets Best vs 24 Pet Watch Embrace vs Healthy Paws Embrace vs Figo Embrace vs Pet Premium Embrace vs ASPCA Embrace vs Trupanion Pet Insurance Embrace vs Petplan Embrace vs Pet Assure Embrace vs Nationwide Embrace vs Pet First Embrace vs 24 Pet Watch Healthy Paws vs Figo Healthy Paws vs Pet Premium Healthy Paws vs ASPCA Healthy Paws vs Trupanion Pet Insurance Healthy Paws vs Petplan Healthy Paws vs Pet Assure Healthy Paws vs Nationwide Healthy Paws vs Pet First Healthy Paws vs 24 Pet Watch Figo vs Pet Premium Figo vs ASPCA Figo vs Trupanion Pet Insurance Figo vs Petplan Figo vs Pet Assure Figo vs Nationwide Figo vs Pet First Figo vs 24 Pet Watch Pet Premium vs ASPCA Pet Premium vs Trupanion Pet Insurance Pet Premium vs Petplan Pet Premium vs Pet Assure Pet Premium vs Nationwide Pet Premium vs Pet First Pet Premium vs 24 Pet Watch ASPCA vs Trupanion Pet Insurance ASPCA vs Petplan ASPCA vs Pet Assure ASPCA vs Nationwide ASPCA vs Pet First ASPCA vs 24 Pet Watch Trupanion Pet Insurance vs Petplan Trupanion Pet Insurance vs Pet Assure Trupanion Pet Insurance vs Nationwide Trupanion Pet Insurance vs Pet First Trupanion Pet Insurance vs 24 Pet Watch Petplan vs Pet Assure Petplan vs Nationwide Petplan vs Pet First Petplan vs 24 Pet Watch Pet Assure vs Nationwide Pet Assure vs Pet First Pet Assure vs 24 Pet Watch Nationwide vs Pet First Nationwide vs 24 Pet Watch Pet First vs 24 Pet Watch
Compare the Best Pet Insurance Companies
- VS -
Review the Best Pet Insurance Companies
See the Best Pet Insurance Company
The Best Reviews of Pet Insurance Companies