Embrace Pet Insurance: My Honest Review & Thoughts

(Last Updated On: April 17, 2021)

It’s important to get the best possible pet insurance you can for your pet, and Embrace is a one of the best options out there. They’re committed to honesty and openness as they work to provide you with superior service. The personal, compassionate, and friendly workers at Embrace are just as excited as you to care for your pet.

embrace pet insurace review-min


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The Underwriter For Embrace Pet Insurance

An underwriter is someone who assesses level of risk in your pet. Basically, this assessment then determines premium pricing, or the amount of money you pay for the insurance policy. Embrace is underwritten by American Modern Insurance Group, which operates throughout the entire United States except Florida. They’re then underwritten by American Southern Home Insurance Company.

Coverage Plans

Before you choose your pet insurance company, you need to know what’s covered and what’s not. It’s important to have a complete understanding of what to expect.

Basic Plan

Embrace has one basic plan that’ll cover your pet, with a clear list of exclusions that aren’t covered. This makes it easy to file a claim without any surprises. Things like breed specific conditions, cancer treatments, diagnostics, imaging, surgery, hospitalization, nursing care, rehab, drugs, and wellness are all covered as long as they aren’t pre-existing conditions.

Wellness Rewards Option

This plan is not available as a standalone, but you can add it to any policy. The multi-level plan can be $250, $450, or $650 per year. You can start using it the day you sign up with no deductibles, copays, or waiting periods. It pretty much acts as a preventative plan by giving you cash for wellness exams, vaccinations, spaying/neutering, blood tests, micro-chipping, and more. There are lots of options for coverage with this additional plan added on.
nose-to-tail pet insurance coverage with Embrace

Prescription Drug Coverage

If your cutie is healthy, you might not need this. If they’ve got some chronic conditions and need medication, prescription drug coverage can be a huge help. You’ll be reimbursed for drugs given by the vet for home use, such as those for pain relief, allergies, ear conditions, or topical ointments.

What Is Not Covered?

There are lots of things not covered still, like pre-existing conditions. No company will cover these, but Embrace also does not cover prosthetic limbs, mobility aids, breeding, pregnancy, and whelping, pet training, and many others, especially any sort of intentional injury. If you’re wondering about something that’s a little different, it’s best to make sure it’s covered before you start buying.

Pre-Existing Conditions

No company covers existing conditions, but some may have a different definition of what they are. Embrace defines them as anything the animal has experienced prior to coverage regardless of if it’s diagnosed by a vet or not. There are curable and non-curable pre-existing conditions though, like a bladder infection that can be treated versus something like cancer.

How To File A Claim With Embrace

nose-to-tail pet insurance coverage with Embrace
The last thing you want to deal with when your pet isn’t well is a confusing claim process. Embrace seeks to make the process as easy as possible with some simple steps. First, print the claim form. Then, fill out the necessary boxes, and get your vet to fill out page two. Attach itemized invoices from the vet saying everything is paid for before you send everything through fax or regular mail. A fax will get you your money back faster, but either way you’ll get your check in the mail or direct deposited if you sign up with Embrace. You’ll only have an issue if something is missing or if you’re trying to get a pre-existing condition covered. Otherwise, everything should go smoothly.

Pros of Signing Up With Embrace

There are tons of companies out there, so why should you pick Embrace? Well for one thing, you can use any vet you want, not “in network” vets. Embrace even covers genetic health conditions, which is fairly rare in usual policies. Claim refunds are based on the vet bills you submit rather than set amounts, so you can be sure you’re getting your money back. Your pet will get lifetime coverage of chronic conditions without you worrying about an increase in premiums, with a 30 day money back guarantee if you don’t love it. You can even customize the pet policy to fit their needs and your budget. Customer service is also great, and the Embrace is environmentally friendly too.

Positive and Negative Reviews

Some people are actually surprised there are negative reviews at all with how much they love Embrace. It was a lot easier for them to get through a surgery for their dog when they knew they had a good plan. Pay outs are quick and customer service is great. People even comment on how affordable the plans are when they cover so many different things. If your dog passes the orthopedic check and ends up with hip dysplasia issues, even those are covered.
There are of course issues however, with some people saying that the company looks for ways not to pay claims. If the vet’s wording is off by just a bit, they won’t consider it as part of the wellness policy. There’s supposedly even a tendency for them to try and make out everything to be a pre-existing condition, even death claims. According to some people, they don’t have vet med claim adjusters either and will make things much more difficult during a hard time.

Conclusion: Final Verdict

Embrace offers so much coverage while giving you great customer service and peace of mind too. When your pet is having problems, you can be sure you’ll be able to support them with multiple plans and coverage options. Look out for proper claim issues and problems with wording, but take a look for yourself to see if it’ll be best for your pet too. I definitely encourage you to visit Embrace Insurance Here to get a free quote!

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