Pet owners are finding value in Embrace pet insurance, which offers extensive coverage features at competitive, below-average costs. The company provides a 10% multi-pet discount, though veterinary exam fees and prescriptions require additional add-ons.
Key advantages include an unlimited annual coverage option, coverage for preexisting conditions, and inclusion of behavioral and alternative therapies. However, the base plan does not cover prescription food or supplements, and there is a six-month waiting period for canine orthopedic problems unless reduced to 14 days with an exam.
Policyholders can choose from annual maximum limits ranging from $2,000 to unlimited, deductibles from $100 to $1,000, and reimbursement rates of 70%, 80%, or 90%. Waiting periods vary: none for accident coverage, 14 days for illness, and six months for canine orthopedic conditions.
Coverage under the accident and illness plan includes hereditary and congenital conditions, diagnostics like X-rays and ultrasounds, dental issues, cancer, behavioral therapy, alternative therapy, and euthanasia. The accident-only plan provides up to $5,000 in reimbursement for incidents such as torn ligaments, poisoning, and vehicle collisions.
An optional Wellness Rewards add-on functions like a savings account for routine care, with benefit amounts of $300, $500, or $700 per year. It covers vaccinations, spaying and neutering, microchipping, dental cleaning, and other preventive services, though unused funds do not roll over.
Preexisting conditions are not covered, except for curable conditions that remain symptom-free and treatment-free for a year. All policies include access to a 24/7 pet helpline through PawSupport, which offers care guidance but cannot diagnose or prescribe.
Exclusions include routine care, cosmetic procedures, boarding, breeding, DNA testing, organ transplants, and injuries from fighting or neglect. Policyholders can increase or decrease coverage during the term, with increases resetting waiting periods and preexisting condition rules.
Costs are competitive, with average premiums of $80.72 for a $5,000 annual limit and $109.74 for unlimited coverage, both below industry averages. Claims must be submitted within 60 days after the policy term ends, with processing times of 10–15 business days for accident and illness claims and five days for Wellness Rewards claims.
The Embrace mobile app, rated 4.8 stars on the App Store and 4.6 stars on Google Play, allows users to manage policies, submit claims, and contact customer service. Embrace is available in all states and Washington, D.C., and policies can be canceled at any time, with refunds available under specific conditions.